The survey, started in January 2003, is conducted by the national central banks of the countries that have adopted the single currency, in collaboration with the European Central Bank, and is addressed to the senior loan officers responsible for credit policies of the main banks of the euro area (around 150). Thirteen credit groups are involved in Italy.
The survey makes it possible to highlight the factors influencing the supply of credit and the terms and conditions for clients on the one hand, and the evolution of credit demand with the relevant determinants on the other.
The survey, revised in April 2015, April 2018 and April 2022, is carried out using a questionnaire with 22 multiple-choice questions, divided in two sections. The first section refers to loans granted to firms, the second to credit granted to households (for house purchase, consumer credit and other lending). The questionnaire also includes an "open" question, in which intermediaries may highlight cyclical aspects of the loans market that are not contemplated in the other questions. The senior loan officers are called upon to express their opinion on both developments in the last quarter and expectations for the next quarter.
The changes to the questionnaire in April 2015 consisted in the addition of new questions, two for each category of loans, an updating of the existing questions and a revision of the Compilation Guide (included in the survey). The new questions ask how the share of loan applications rejected has changed and what factors affect the terms and conditions of loans.
The changes to the questionnaire in April 2018 consisted solely in the addition of the option of responding "N/A (not applicable)" to each question.
The changes to the questionnaire in April 2022 consisted in a more detailed breakdown of the factors contributing to changes in credit standards for loans to households for house purchase and consumer credit, in line with the question on loans to enterprises. Further, a more detailed breakdown of the factors contributing to changes in credit terms and conditions for loans to firms was included. Finally, a breakdown into firm sizes was included for the question on the factors contributing to demand for loans to firms and for the question on the share of rejected loan applications.
An overview of the changes to the questionnaire is available in the file containing the results.
Results for Italy
This section provides quarterly time series, as of January 2003, of the diffusion index and the net percentage, based on the answers to single questions. As of April 2018 the time series, both current and those for previous surveys, are calculated using a methodology harmonized across the euro area (see Methodological note). Therefore the series published may differ slightly from those released previously, which are available for consultation in the Methodology and other material section.
Beginning in April 2014, a note that comments the main results is also included.
- Comments to main results - October 2023pdf 195.9 KB Publish date::24 October 2023
- Excel data (last update - October 2023)zip 2.5 MB Publish date::24 October 2023
COMMENTS TO MAIN RESULTS - ARCHIVE
- Comments to main results - July 2023pdf 144.7 KB Publish date::25 July 2023
- Comments to main results - April 2023pdf 144.7 KB Publish date::02 May 2023
- Comments to main results - January 2023pdf 406.0 KB Publish date::31 January 2023
- Comments to main results - October 2022pdf 398.5 KB Publish date::25 October 2022
- Comments to main results - July 2022pdf 167.3 KB Publish date::19 July 2022
- Comments to main results - April 2022pdf 164.4 KB Publish date::12 April 2022
- Comments to main results - January 2022pdf 125.1 KB Publish date::01 February 2022
- Comments to main results - October 2021pdf 178.3 KB Publish date::26 October 2021
- Comments to main results - July 2021pdf 308.8 KB Publish date::20 July 2021
- Comments to main results - April 2021pdf 181.9 KB Publish date::20 April 2021
- Comments to main results - January 2021pdf 133.3 KB Publish date::19 January 2021
- Comments to main results – October 2020pdf 133.4 KB Publish date::27 October 2020
- Comments to main results – July 2020pdf 132.1 KB Publish date::14 July 2020
- Comments to main results - April 2020pdf 127.9 KB Publish date::28 April 2020
- Comments to main results - January 2020pdf 72.2 KB Publish date::21 January 2020
- Comments to main results - October 2019pdf 75.6 KB Publish date::22 October 2019
- Comments to main results - July 2019pdf 127.6 KB Publish date::23 July 2019
- Comments to main results - April 2019pdf 164.0 KB Publish date::09 April 2019
- Comments to main results - January 2019pdf 130.8 KB Publish date::22 January 2019
- Comments to main results – October 2018pdf 131.5 KB Publish date::23 October 2018
- Comments to main results – July 2018pdf 132.0 KB Publish date::24 July 2018
- Comments to main results - April 2018pdf 129.4 KB Publish date::24 April 2018
- Comments to main results - January 2018pdf 150.9 KB Publish date::23 January 2018
- Comments to main results – October 2017pdf 80.5 KB Publish date::24 October 2017
- Comments to main results – July 2017pdf 144.3 KB Publish date::18 July 2017
- Comments to main results – April 2017pdf 75.1 KB Publish date::26 April 2017
- Comments to main results – January 2017pdf 173.6 KB Publish date::17 January 2017
- Comments to main results – October 2016pdf 418.5 KB Publish date::18 October 2016
- Comments to main results – July 2016pdf 179.5 KB Publish date::19 July 2016
- Comments to main results – April 2016pdf 177.8 KB Publish date::19 April 2016
- Comments to main results – January 2016pdf 152.5 KB Publish date::19 January 2016
- Comments to main results – October 2015pdf 176.8 KB Publish date::20 October 2015
- Comments to main results – July 2015pdf 168.5 KB Publish date::14 July 2015
- Comments to main results – April 2015pdf 187.6 KB Publish date::14 April 2015
- Comments to main results – January 2015pdf 150.4 KB Publish date::20 January 2015
- Comments to main results – October 2014pdf 140.6 KB Publish date::29 November 2014
- Comments to main results – July 2014pdf 120.1 KB Publish date::15 October 2014
- Comments to main results – April 2014pdf 305.3 KB Publish date::29 April 2014
METHODOLOGY AND OTHER MATERIAL
- Methodological notepdf 93.7 KB Characteristics of the survey and methods of aggregation of the answers Publish date::26 October 2021
- Questionnaire and Compilation Guidezip 71.1 KB Publish date::12 April 2022
- Historical excel data (last updated - January 2018) - Published through January 2018zip 159.0 KB Publish date::23 January 2018
- Questionnaire and Compilation Guide - Valid from April 2018 to January 2022zip 64.6 KB Publish date::12 April 2022
- Questionnaire and Compilation Guide - Valid from April 2015 to January 2018zip 60.7 KB Publish date::14 April 2015
- Questionnaire – Valid through the January 2015pdf 107.5 KB Publish date::13 March 2007
Results for the euro area
- Euro area bank lending survey (external link) Results concerning the euro area distributed by the European Central Bank
