The net percentages for the “other factors” refer to further factors which were mentioned by banks as having contributed to changes in credit standards, currently mainly related to the policy interventions in response to the COVID-19 pandemic. The latest observation is for the third quarter of 2020 for actual credit standards and the fourth quarter of 2020 for expected credit standards.
Chart 16 https://www.ecb.europa.eu/press/key/date/2020/html/ecb.sp201126~c5c1036327.en.html  13/19  01/12/2020  Monetary policy in a pandemic: ensuring favourable financing conditions  Changes in demand for loans or credit lines to enterprises and contributing factors (net percentages of banks reporting an increase in demand and contributing factors)  Source: ECB (October 2020 euro area bank lending survey).