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Loan demand continued to increase across all loan categories, while credit supply conditions remained unchanged for enterprises and improved for households
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The general low level of interest rates played an important role in contributing to demand for loans to enterprises and households
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Continued compression of lending rates on all loan categories
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Banks used the liquidity obtained from the ECB’s expanded asset purchase programme (APP) for granting loans, for refinancing purposes and to a lesser extent for purchasing assets
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The ECB’s negative deposit facility rate continued to have a positive impact on lending volumes, while having a negative impact on loan margins and banks’ net interest income
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