In the first quarter of 2016, banks are expecting a further loosening of credit standards and an increased demand for corporate and consumer loans. They are predicting no change for housing loans. In the fourth quarter of 2015, competitive pressure and improved perception of risks regarding the expected economic development had an impact on the loosening of standards for corporate and consumer loans. The average interest margins in these two segments dropped in a blanket manner. The demand for loans in all segments of the credit market increased. This information was provided by the Czech National Bank (ČNB).