OREANDA-NEWS. The Central Bank of Ireland has published the Irish responses to the July 2015 Euro Area Bank Lending Survey.

 

  • Credit standards were unchanged on loans to enterprises across all loan categories examined during the second quarter of 2015 and are expected to remain unchanged during the third quarter.
  • Credit standards eased in respect of lending to households for house purchases and were unchanged in respect of consumer credit and other lending. An increase in loan demand in respect of mortgage lending was reported whereas loan demand in respect of consumer credit and other lending was unchanged.
  • Access to retail and wholesale funding sources was mostly unchanged during the second quarter of 2015 and is expected to remain unchanged during the third quarter of 2015. With regard to the impact of CRD IV as well as other regulatory or supervisory actions, banks’ risk-weighted assets as well as their capital were, for the most part, unchanged during the first half of 2015 with only minor changes expected during the second half of 2015.