The third special survey among banks does not give any indication about the future of the credit crisis in Germany

In July 2010 the Deutsche Bundesbank conducted its third special survey among selected German banks and banking associations. In July 2010 the Deutsche Bundesbank held its third special survey of selected German banks and banking associations. The current survey provided no indications of an imminent credit crunch in business with domestic non-financial corporations over the next 12 months. The current survey, no signs of an imminent credit crunch in the business of domestic nonfinancial corporations in the next 12 months. Fears of the German economy being undersupplied with liquidity when the upswing gathers steam are therefore not shared by the banks. Concerns about the German economy in too little liquidity, when the couple is going to rise, therefore, is not shared by the banks.

Overall, survey participants expect the volume of lending to rise over the next 12 months, mainly on account of loans to small and medium-sized enterprises. Whole survey participants expect that the volume of lending to grow in the next 12 months, mainly due to loans for small and medium-sized enterprises. An optimistic assessment of new lending is accompanied by the expectation of high repayments on existing loans, especially by large enterprises. Optimistic assessment of new loans is accompanied by the expectation of higher payments on existing loans, especially from large enterprises. In contrast to past survey rounds, write-downs on the loan portfolio do not seem to have affected the volume of lending over the forecasting horizon. Unlike previous rounds of the survey, write-offs, the loan portfolio does not seem to affect the volume of lending for the time horizon.

With regard to the determinants of the forecast lending volume, an improvement in the outlook for general economic activity and rising demand are cited as positive factors. With regard to the determinants of prognosis in lending, to improve the overall prospects for economic activity and growth in demand were cited as positive factors. This assessment is also demonstrated by the expectation of increasing drawdowns on existing credit lines and by a larger overall volume of credit applications. This estimate also shows the expectation of the use of existing credit lines and large total loan applications. In response, the surveyed banks are planning to expand the credit lines granted while leaving the rejection ratio unchanged. In this regard, surveyed banks plan to expand credit lines provided, leaving unchanged the coefficient of variation.

While the previous survey in January 2010 showed that banks had still been expecting the tier 1 capital ratio to decline in a number of cases, they now anticipate a constant ratio on average over the next 12 months. Although previous studies in January 2010 showed that banks are still waiting for tier 1 capital ratio to decline in some cases, they now expect a constant ratio of the average over the next 12 months. Some, mainly smaller institutions even expect their tier 1 capital ratio to increase slightly. Some, mostly smaller institutions, even expect their Tier 1 capital ratio will increase slightly.
As institutions see it, the chief factors weighing on capital are likely to be changes in the ratings of structured securities and poorer borrower creditworthiness. How institutions think the main factors weighing capital are likely to be changes in ratings of structured securities, and poor borrower creditworthiness. The surveyed institutions hope that planned balance sheet reductions and profit retention will improve their capital position, however. Surveyed institutions hope that the planned balance reduction and profit will improve their capital position, however. The participating banks do not expect government measures to provide any relief. Participating banks do not expect government action to provide any assistance.
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