In conclusion, on the occasion of this Platinum Jubilee, I wish you and your families all the very best of health, happiness and fulfillment. BIS Review 42/2009  3
The euro area bank lending survey for the third quarter of 2016 indicates some further improvements in both supply and demand conditions for loans to the non-financial private sector. Furthermore, banks continued to report that the ECB’s asset purchase programme and the negative deposit facility rate had contributed to more favourable terms and conditions on loans.