42
BANCO DE PORTUGAL • Boletim Estatístico
A.11
Loans granted by the financial sector(1)
Source: Banco de Portugal – Central Credit Register
Dec-2014
Mar-2015
Dec-2015
Feb-2016
Mar-2016
Dec-2014
6
(end-of-period figures - 10 euros)
1
2
3
Mar-2015
Dec-2015
Feb-2016
Mar-2016
(annual rate of change - a.r. - in percentage)
4
5
6
7
8
9
10
-3.9
-1.9
-2.6
-2.8
Granted loans
1
Non-financial corporations (NFC) …………………………………………………………………………………………………………………………………………………………………………………….
86 282
86 380
83 490
83 040
82 805
-4.6
(2)
By size :
2
Micro corporations …………………………………………………………………………………………………………………………………………………………………………………….
28 898
29 068
28 012
27 548
27 616
-5.3
-5.6
-2.9
-3.4
-2.9
3
Small corporations …………………………………………………………………………………………………………………………………………………………………………………….
21 141
20 979
20 330
20 282
20 321
-2.9
-2.9
-2.7
-2.5
-2.0
4
Medium-sized corporations …………………………………………………………………………………………………………………………………………………………………………………….
20 875
20 530
19 969
19 926
19 915
-3.6
-3.2
-1.1
-1.6
-1.8
5
Large corporations …………………………………………………………………………………………………………………………………………………………………………………….
10 968
11 356
10 577
10 687
10 640
-7.0
-2.7
-2.4
-5.8
-6.0
By statute:
6
Public corporations …………………………………………………………………………………………………………………………………………………………………………………….
2 526
2 535
2 230
2 062
2 025
-17.5
-15.6
-10.0
-14.2
-16.0
7
Private corporations …………………………………………………………………………………………………………………………………………………………………………………….
83 757
83 845
81 259
80 978
80 780
-4.2
-3.5
-1.7
-2.2
-2.4
of which: Exporting corporations
(3)
…………………………………………………………………………………………………………………………………………………………………………………….
17 236
17 838
17 479
17 748
17 658
1.9
4.4
1.8
-0.1
-0.8
-2.2
-2.2
-2.0
10
Non-profit institutions serving households (NPISH) …………………………………………………………………………………………………………………………………………………………………………………….
2 163
2 132
2 135
2 122
2 119
2.5
1.2
-1.2
-0.6
-0.5
11
Households …………………………………………………………………………………………………………………………………………………………………………………….
130 920
129 782
127 523
126 721
126 658
8
9
Households and NPISH …………………………………………………………………………………………………………………………………………………………………………………….
133 083
131 914
129 658
128 843
128 777
-3.2
-3.1
-3.3
-3.2
-2.2
-2.2
-2.1
12
House purchase …………………………………………………………………………………………………………………………………………………………………………………….
106 889
105 948
103 649
103 325
103 107
-3.5
-3.5
-2.9
-2.9
-2.8
13
Consumption and other purposes …………………………………………………………………………………………………………………………………………………………………………………….
24 031
23 834
23 874
23 396
23 551
-2.6
-1.8
0.9
0.9
1.5
-2.0
-2.3
Memo item:
Loans to NFC adjusted for sales of loans portfolios …………………………………………………………………………………………………………………………………………………………………………………….
-3.8
-3.0
-1.3
14
(overdue loans ratio - in percentage)(4)
(borrowers with overdue loans - in percentage)
Loans in default
15
Non-financial corporations (NFC) …………………………………………………………………………………………………………………………………………………………………………………….
15.0
15.6
15.8
16.3
16.4
30.8
30.9
29.4
29.9
29.7
(2)
By size :
16
Micro corporations …………………………………………………………………………………………………………………………………………………………………………………….
24.9
25.4
25.1
26.2
25.8
32.1
32.1
30.4
30.8
30.6
17
Small corporations …………………………………………………………………………………………………………………………………………………………………………………….
14.5
14.6
14.4
14.7
14.7
25.8
26.1
25.8
26.6
26.6
18
Medium-sized corporations …………………………………………………………………………………………………………………………………………………………………………………….
9.6
10.7
12.0
12.3
12.4
23.0
23.4
23.0
23.5
23.6
19
Large corporations …………………………………………………………………………………………………………………………………………………………………………………….
3.0
3.3
3.7
3.8
3.9
12.6
13.4
12.9
13.0
13.5
By statute:
20
Public corporations …………………………………………………………………………………………………………………………………………………………………………………….
2.1
2.4
1.2
0.2
0.2
8.3
7.7
4.8
3.7
4.3
21
Private corporations …………………………………………………………………………………………………………………………………………………………………………………….
15.4
16.0
16.2
16.7
16.8
30.8
30.9
29.4
29.9
29.7
of which: Exporting companies(3) …………………………………………………………………………………………………………………………………………………………………………………….
2.8
3.7
5.5
5.8
5.9
6.9
7.6
22
23
Households and NPISH …………………………………………………………………………………………………………………………………………………………………………………….
4.9
5.0
5.0
5.1
5.1
14.8
15.1
8.4
9.4
9.2
14.0
14.2
14.4
24
Non-profit institutions serving households (NPISH) …………………………………………………………………………………………………………………………………………………………………………………….
1.5
1.6
1.3
1.7
1.7
9.8
10.2
9.6
25
Households …………………………………………………………………………………………………………………………………………………………………………………….
4.9
5.0
5.1
5.1
5.1
14.8
15.1
26
House purchase …………………………………………………………………………………………………………………………………………………………………………………….
2.8
2.8
3.0
3.0
3.0
6.4
6.7
27
Consumption and other purposes …………………………………………………………………………………………………………………………………………………………………………………….
14.4
14.7
14.1
14.3
14.2
16.4
16.8
12
Loans to non-financial corporations - a.r.
6.4
6.6
6.6
15.4
15.7
15.9
6
in percentage
in percentage
9.6
14.4
9
3
0
-3
3
0
-3
-6
-6
-9
-12
Mar/11
9.9
14.3
Loans to households - a.r.
12
9
6
14.0
-9
Mar/12
Mar/13
Non-financial corporations
Mar/14
Mar/15
Mar/16
Private exporting companies
-12
Mar/11
Mar/12
Total
Mar/13
House purchase
Mar/14
Mar/15
Mar/16
Consumption and other purposes
(1) This statistics cover loans granted by financial sector entities residents in Portugal including, besides banks, savings banks and mutual agricultural credit banks, non-monetary financial institutions that grant credit, namely credit financial
institutions, factoring and financial leasing companies, credit-purchase financing companies and mutual guarantee companies.
(2) Holding companies are excluded from this classification. Classification based on the Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium ‐sized enterprises: Micro corporations number of employees below 10 and turnover and/or annual balance‐sheet total not above 2 million euros; Small corporations - number of employee below 50 and turnover and/or annual balance‐sheet total not above 10 million euros;
Medium‐sized corporations - number of employees below 250 and turnover not above 50 million euros and/or annual balance‐sheet total not above 43 million euros; Large corporations - remaining cases.
(3) Private-owned exporting companies, defined as follows: a) companies that export more than 50% of the turnover; or b) companies that export more than 10% of the turnover and the total amount exceeds 150 thousand euro.
(4) Ratio between overdue loans and the total amount of granted loans by each category.