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The fresh new low-harmonised historic research change from brand new harmonised analysis mostly because the a beneficial outcome of heterogeneous remedy for NA (Maybe not Applicable) responses and you will specialized banking institutions across issues and countries. Non-harmonised historical BLS studies is composed having discontinued BLS concerns and ad hoc questions.
Web firming (Web reducing) ensures that the brand new part of banks revealing a tightening (an enthusiastic easing) from borrowing criteria is larger than the latest portion of finance companies reporting an easing (a tightening).
Towards the top indicator characteristics of one's BLS, understand the field named What suggestions do the fresh euro urban area lender credit survey promote into the future financing advancements?, Monetary Bulletin, Issue 8, ECB, 2022.