Share of banks whose NPL ratio will impact their credit standards and credit terms and conditions during the next six months in the euro area as of 4th quarter 2022, by type of lending
Characteristic
Will contribute to tightening
No impact
Will contribute to easing
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Most banks in the euro area did not perceive an impact of the non-performing loans (NPL) ratio on the credit standards and terms for loans in the next six months as of the last quarter of 2022. Nevertheless, there were approximately *** percent of banks reported that the NPL ratio would contribute to tighter standards and terms and conditions for business loans. Large banks were more exposed to non-performing loans in the EU than those with assets under *** billion euros.
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ECB. (January 31, 2023). Share of banks whose NPL ratio will impact their credit standards and credit terms and conditions during the next six months in the euro area as of 4th quarter 2022, by type of lending [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 28, 2026, from /statistics/1364443/npl-ratio-causing-tighter-lending-standards-in-the-euro-area-by-type/
ECB. "Share of banks whose NPL ratio will impact their credit standards and credit terms and conditions during the next six months in the euro area as of 4th quarter 2022, by type of lending." Chart. January 31, 2023. ÌÇÐÄÆƽâ°æ. Accessed July 28, 2026. /statistics/1364443/npl-ratio-causing-tighter-lending-standards-in-the-euro-area-by-type/
ECB. (2023). Share of banks whose NPL ratio will impact their credit standards and credit terms and conditions during the next six months in the euro area as of 4th quarter 2022, by type of lending. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 28, 2026. /statistics/1364443/npl-ratio-causing-tighter-lending-standards-in-the-euro-area-by-type/
ECB. "Share of Banks Whose Npl Ratio Will Impact Their Credit Standards and Credit Terms and Conditions during The next Six Months in The Euro Area as of 4th Quarter 2022, by Type of Lending." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 31 Jan 2023, /statistics/1364443/npl-ratio-causing-tighter-lending-standards-in-the-euro-area-by-type/
ECB, Share of banks whose NPL ratio will impact their credit standards and credit terms and conditions during the next six months in the euro area as of 4th quarter 2022, by type of lending ÌÇÐÄÆƽâ°æ, /statistics/1364443/npl-ratio-causing-tighter-lending-standards-in-the-euro-area-by-type/ (last visited July 28, 2026)
Share of banks whose NPL ratio will impact their credit standards and credit terms and conditions during the next six months in the euro area as of 4th quarter 2022, by type of lending [Graph], ECB, January 31, 2023. [Online]. Available: /statistics/1364443/npl-ratio-causing-tighter-lending-standards-in-the-euro-area-by-type/
