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Norges Bank Survey of Bank Lending Q4'25: Slightly tighter lending spreads; Household and corporate credit demand was broadly unchanged in 2025 Q4. Banks expect approximately unchanged household and corporate demand in 2026 Q1.

The Norges Bank's survey indicates a slight tightening in lending spreads, suggesting that credit conditions may be slightly less favorable for borrowers.

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Norges Bank Survey of Bank Lending Q4'25: Slightly tighter lending spreads; Household and corporate credit demand was broadly unchanged in 2025 Q4. Banks expect approximately unchanged household and corporate demand in 2026 Q1.

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However, household and corporate credit demand remains stable, with expectations of continued unchanged demand in Q1 2026. This stability might signify that while banks are becoming more cautious, overall borrowing appetite is not diminishing, which could imply a steady economic outlook.

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