Figure 1: Measures of Supply and Demand for C&I Loans, by Size of Firm Seeking Loans Panel 1: Net Percentage of Domestic Respondents Tightening Standards for C&I Loans Large and medium Small ------ ------ 90:2 56.90 52.60 90:3 39.45 33.90 90:4 48.90 41.00 91:1 36.00 32.00 91:2 15.50 6.90 91:3 12.25 8.70 91:4 9.00 5.20 92:1 5.25 0.00 92:2 0.90 -7.30 92:3 -1.70 -1.70 92:4 4.35 -5.40 93:1 2.65 -1.80 93:2 -7.85 -1.80 93:3 -19.45 -11.70 93:4 -17.75 -8.50 94:1 -12.95 -12.30 94:2 -12.20 -8.90 94:3 -6.95 -7.00 94:4 -17.40 -17.50 95:1 -6.85 -5.30 95:2 -5.90 -6.90 95:3 -6.05 -1.80 95:4 -3.45 -1.80 96:1 6.95 3.50 96:2 -0.90 1.80 96:3 -3.70 -1.90 96:4 -7.80 -12.20 97:1 -5.45 -5.30 97:2 -6.95 -3.50 97:3 -5.70 -1.90 97:4 -7.00 -3.50 98:1 1.80 1.90 98:2 -7.10 -1.80 98:3 0.00 -5.20 98:4 36.40 14.80 99:1 7.40 3.70 99:2 10.00 8.30 99:3 5.40 1.90 99:4 9.10 1.90 00:1 10.90 9.40 00:2 24.60 21.40 00:3 33.90 23.60 00:4 43.80 27.30 01:1 59.70 45.40 01:2 50.90 36.40 01:3 40.40 31.60 01:4 50.90 40.40 02:1 45.40 41.80 02:2 25.00 14.50 02:3 21.40 5.50 02:4 20.00 18.20 Figure 1: Measures of Supply and Demand for C&I Loans, by Size of Firm Seeking Loans Panel 2: Net Percentage of Domestic Respondents Increasing Spreads of Loan Rates over Banks' Cost of Funds Large and medium Small ------ ------ 90:2 12.00 7.20 90:3 25.85 17.20 90:4 51.80 33.90 91:1 59.00 37.50 91:2 45.50 25.40 91:3 31.25 14.00 91:4 31.50 12.00 92:1 11.35 14.00 92:2 11.65 7.10 92:3 0.00 5.20 92:4 -3.60 -7.10 93:1 -0.90 0.00 93:2 -23.65 -10.70 93:3 -39.35 -16.90 93:4 -55.90 -31.00 94:1 -46.55 -19.30 94:2 -58.30 -26.80 94:3 -52.20 -21.10 94:4 -46.10 -24.50 95:1 -44.45 -28.10 95:2 -52.10 -29.30 95:3 -45.70 -19.30 95:4 -33.70 -12.20 96:1 -30.65 -7.00 96:2 -36.10 -17.40 96:3 -28.75 -5.60 96:4 -34.55 -27.20 97:1 -33.25 -11.10 97:2 -32.45 -12.30 97:3 -38.50 -25.50 97:4 -40.40 -40.40 98:1 -25.40 -24.10 98:2 -34.00 -25.00 98:3 -14.30 -30.40 98:4 47.30 18.90 99:1 31.40 5.70 99:2 7.10 1.80 99:3 21.50 5.50 99:4 23.60 -1.90 00:1 25.00 10.00 00:2 35.20 16.00 00:3 35.80 25.40 00:4 54.40 26.90 01:1 57.10 28.90 01:2 44.40 22.30 01:3 50.80 38.20 01:4 58.90 41.80 02:1 40.00 36.40 02:2 23.70 13.20 02:3 41.10 20.00 02:4 29.10 14.80 Figure 1: Measures of Supply and Demand for C&I Loans, by Size of Firm Seeking Loans Panel 3: Net Percentage of Domestic Respondents Reporting Stronger Demand for C&I Loans Large and medium Small ------ ------ 91:4 -29.65 -25.40 92:1 -26.50 -11.60 92:2 6.25 25.00 92:3 -8.60 6.90 92:4 6.15 -1.80 93:1 20.20 32.20 93:2 -0.10 12.30 93:3 18.05 13.80 93:4 9.25 17.20 94:1 26.05 26.30 94:2 38.10 38.10 94:3 31.25 19.30 94:4 31.40 31.60 95:1 35.10 18.20 95:2 28.60 17.20 95:3 4.35 25.00 95:4 3.45 7.20 96:1 -3.45 14.00 96:2 10.20 24.00 96:3 12.05 17.70 96:4 0.90 3.60 97:1 4.70 14.70 97:2 5.35 10.70 97:3 13.40 19.60 97:4 19.30 19.30 98:1 25.90 15.40 98:2 28.50 21.10 98:3 -8.90 0.00 98:4 27.70 7.70 99:1 20.40 11.40 99:2 -0.00 10.10 99:3 0.00 0.10 99:4 -1.80 -3.80 00:1 9.10 -1.90 00:2 -8.80 5.30 00:3 -5.30 -3.60 00:4 -22.80 -12.80 01:1 -50.00 -29.70 01:2 -40.00 -34.50 01:3 -52.70 -42.10 01:4 -70.20 -50.00 02:1 -54.50 -45.40 02:2 -35.70 -29.00 02:3 -44.60 -36.40 02:4 -52.70 -48.20 Figure 2: Measures of Supply and Demand for Loans to Households Panel 1: Net Percentage of Domestic Respondents Tightening Standards on Consumer Loans Other Credit Consumer cards loans ------ -------- 96:1 25.00 15.70 96:2 23.50 12.00 96:3 48.90 24.50 96:4 48.80 23.10 97:1 36.90 20.00 97:2 45.90 19.30 97:3 23.30 8.40 97:4 25.00 12.00 98:1 22.20 16.30 98:2 16.30 6.10 98:3 20.00 7.80 98:4 15.90 8.00 99:1 7.40 -1.90 99:2 13.30 5.40 99:3 4.80 5.60 99:4 4.90 0.00 00:1 4.80 3.90 00:2 2.50 5.50 00:3 -2.60 3.70 00:4 8.30 7.40 01:1 11.80 18.60 01:2 20.00 18.90 01:3 11.40 9.10 01:4 20.00 20.00 02:1 18.20 17.00 02:2 8.60 20.00 02:3 14.70 9.00 02:4 15.20 16.80 Figure 2: Measures of Supply and Demand for Loans to Households Panel 2: Net Percentage of Domestic Respondents Reporting Stronger Demand for Loans to Households Residential Consumer mortgages loans ----------- -------- 90:4 -47.30 ND 91:1 -57.40 ND 91:2 59.70 ND 91:3 ND ND 91:4 5.30 -28.10 92:1 38.60 -30.30 92:2 25.90 22.20 92:3 24.60 14.30 92:4 34.00 14.50 93:1 3.60 1.80 93:2 43.80 10.70 93:3 45.80 22.40 93:4 24.10 26.80 94:1 17.20 24.50 94:2 -12.50 37.50 94:3 -57.20 16.10 94:4 -66.70 0.00 95:1 -76.80 -3.60 95:2 -14.50 -7.30 95:3 51.00 24.00 95:4 16.40 5.50 96:1 14.50 -7.70 96:2 22.00 12.00 96:3 -22.00 2.00 96:4 -11.70 -9.80 97:1 5.70 -15.60 97:2 -9.50 -15.10 97:3 20.00 -10.40 97:4 28.80 -4.00 98:1 57.70 4.00 98:2 63.50 9.80 98:3 35.30 0.00 98:4 47.00 -8.00 99:1 10.00 3.90 99:2 8.90 16.70 99:3 -33.40 11.40 99:4 -41.20 -7.90 00:1 -63.50 -9.60 00:2 -42.60 -22.20 00:3 -39.70 -9.30 00:4 -32.70 -12.80 01:1 0.00 -35.80 01:2 46.10 9.70 01:3 24.50 5.40 01:4 -1.90 -23.60 02:1 28.90 -3.80 02:2 5.60 3.80 02:3 27.50 -3.70 02:4 40.00 -5.60 Figure 2: Measures of Supply and Demand for Loans to Households Panel 3: Net Percentage of Domestic Respondents Tightening Standards for Mortgages to Individuals Mortgages --------- 90:3 8.70 90:4 22.80 91:1 32.70 91:2 22.90 91:3 12.50 91:4 6.90 92:1 3.50 92:2 0.00 92:3 -1.80 92:4 -5.30 93:1 -3.60 93:2 3.40 93:3 -11.70 93:4 -15.50 94:1 -5.50 94:2 -7.10 94:3 -5.50 94:4 -5.50 95:1 -1.80 95:2 -5.50 95:3 0.00 95:4 3.70 96:1 0.00 96:2 -2.00 96:3 4.00 96:4 3.90 97:1 3.80 97:2 -1.80 97:3 -2.00 97:4 1.90 98:1 0.00 98:2 -5.80 98:3 0.00 98:4 -1.90 99:1 2.00 99:2 0.00 99:3 -1.90 99:4 -2.00 00:1 -1.90 00:2 -5.60 00:3 0.00 00:4 0.00 01:1 0.00 01:2 3.80 01:3 3.80 01:4 3.80 02:1 1.90 02:2 1.90 02:3 3.90 02:4 10.00 Figure 2: Measures of Supply and Demand for Loans to Households Old Panel 1: Net Percentage of Domestic Respondents Indicating More Willingness to Make Consumer Installment Loans Willingness ----------- 66:3 -25.00 66:4 4.00 67:1 25.00 67:2 34.00 67:3 19.00 67:4 19.00 68:1 24.00 68:2 0.00 68:3 13.00 68:4 17.00 69:1 -7.00 69:2 -20.00 69:3 -29.00 69:4 -27.00 70:1 -19.00 70:2 5.00 70:3 0.00 70:4 27.00 71:1 63.00 71:2 41.00 71:3 25.00 71:4 32.00 72:1 50.00 72:2 29.00 72:3 19.00 72:4 21.00 73:1 11.00 73:2 9.00 73:3 -7.00 73:4 13.00 74:1 13.00 74:2 -19.00 74:3 -34.00 74:4 -19.00 75:1 8.00 75:2 28.00 75:3 30.00 75:4 26.00 76:1 29.00 76:2 41.00 76:3 31.00 76:4 27.00 77:1 28.00 77:2 28.00 77:3 13.00 77:4 12.00 78:1 10.00 78:2 9.00 78:3 3.00 78:4 -8.00 79:1 0.00 79:2 -4.00 79:3 -7.00 79:4 -43.00 80:1 -45.00 80:2 -79.00 80:3 46.00 80:4 -16.00 81:1 -16.00 81:2 -21.00 81:3 -5.00 81:4 12.00 82:1 -8.00 82:2 3.00 82:3 12.00 82:4 59.00 83:1 53.00 83:2 50.00 83:3 33.00 83:4 33.00 84:1 37.00 84:2 24.00 84:3 21.00 84:4 25.00 85:1 33.00 85:2 39.00 85:3 26.00 85:4 19.00 86:1 45.00 86:2 44.00 86:3 42.00 86:4 21.00 87:1 19.00 87:2 25.00 87:3 32.00 87:4 13.00 88:1 12.00 88:2 17.00 88:3 10.00 88:4 25.00 89:1 16.00 89:2 26.00 89:3 7.00 89:4 3.00 90:1 7.00 90:2 9.00 90:3 12.00 90:4 2.00 91:1 -15.00 91:2 2.00 91:3 0.00 91:4 11.00 92:1 9.00 92:2 22.00 92:3 21.00 92:4 16.30 93:1 18.00 93:2 28.10 93:3 25.90 93:4 18.90 94:1 32.70 94:2 30.90 94:3 21.40 94:4 25.00 95:1 16.10 95:2 21.70 95:3 7.00 95:4 5.40 96:1 7.10 96:2 -2.00 96:3 -6.10 96:4 -3.80 97:1 1.90 97:2 0.00 97:3 10.40 97:4 10.00 98:1 0.00 98:2 2.00 98:3 11.80 98:4 5.80 99:1 13.50 99:2 14.50 99:3 11.40 99:4 9.80 00:1 3.90 00:2 -3.70 00:3 1.90 00:4 1.80 01:1 -5.50 01:2 0.00 01:3 0.00 01:4 -7.10 02:1 -5.70 02:2 1.80 02:3 9.30 02:4 5.50