{"id":46277,"date":"2023-09-14T09:50:19","date_gmt":"2023-09-14T07:50:19","guid":{"rendered":"https:\/\/www.fma.gv.at\/fma-fremdwaehrungskrediterhebung-2-quartal-2023\/"},"modified":"2023-09-18T09:11:10","modified_gmt":"2023-09-18T07:11:10","slug":"fma-foreign-currency-loans-survey-2nd-quarter-2023","status":"publish","type":"post","link":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/","title":{"rendered":"FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households"},"content":{"rendered":"<?xml encoding=\"utf-8\" ?><p class=\"wp-block-paragraph\">The outstanding volume of foreign currency loans (FX lending) to private households fell by &euro; 370 million or -4.6% adjusted for exchange rate effects in the second quarter of 2023. Outstanding volume has therefore fallen by &euro; 1.49 bn or -15.9% in the last year. As of 30 June 2023, there was still however &euro; 7.91 billion outstanding in foreign currency loans. Since the imposing of the ban on granting of new foreign currency loans in Autumn 2008, the outstanding volume has fallen by &euro; 41.14 billion or -86.2%. The share of foreign currency loans at the end of the 2nd quarter 2023 as a proportion of all outstanding household loans fell to a mere 4.4% during Q2 2023, a 0.63 percentage point decrease year-on-year. At the height of the foreign currency loan boom in 2006, this share stood at 31.8%. These were the findings from the FMA&rsquo;s Foreign Currency Loan Survey for the second quarter of 2023.<\/p><p class=\"wp-block-paragraph\">98.2% of the foreign currency loans that were outstanding during the 2nd quarter were denominated in Swiss francs (the remainder is almost entirely denominated in Japanese yen), with the exchange rate during this period floating around 0.9788. The Swiss franc has appreciated by 68.9% since the start of 2008.<\/p><h2 class=\"wp-block-heading\">Journalists may address further enquiries to:<\/h2><p class=\"wp-block-paragraph\">Klaus Grubelnik<\/p><p class=\"wp-block-paragraph\">+43\/(0)1\/24959-6006<\/p><p class=\"wp-block-paragraph\">+43\/(0)676 88 249 516<\/p>\n","protected":false},"excerpt":{"rendered":"<p>outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households<\/p>\n","protected":false},"author":60,"featured_media":46272,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[80],"tags":[],"class_list":["post-46277","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-press-release"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households - FMA \u00d6sterreich<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households - FMA \u00d6sterreich\" \/>\n<meta property=\"og:description\" content=\"outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/\" \/>\n<meta property=\"og:site_name\" content=\"FMA \u00d6sterreich\" \/>\n<meta property=\"article:published_time\" content=\"2023-09-14T07:50:19+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2023-09-18T07:11:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2023\/09\/Webseite-Teaser-1320x440-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1320\" \/>\n\t<meta property=\"og:image:height\" content=\"440\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Alexander Plank-Bachselten\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@FMA_AT\" \/>\n<meta name=\"twitter:site\" content=\"@FMA_AT\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Alexander Plank-Bachselten\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/\"},\"author\":{\"name\":\"Alexander Plank-Bachselten\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#\\\/schema\\\/person\\\/c31b8cb77885775e776264ed40e1be4c\"},\"headline\":\"FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households\",\"datePublished\":\"2023-09-14T07:50:19+00:00\",\"dateModified\":\"2023-09-18T07:11:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/\"},\"wordCount\":213,\"publisher\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fma.gv.at\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/Webseite-Teaser-1320x440-1.jpg\",\"articleSection\":[\"Press Release\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/\",\"url\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/\",\"name\":\"FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households - FMA \u00d6sterreich\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.fma.gv.at\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/Webseite-Teaser-1320x440-1.jpg\",\"datePublished\":\"2023-09-14T07:50:19+00:00\",\"dateModified\":\"2023-09-18T07:11:10+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.fma.gv.at\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/Webseite-Teaser-1320x440-1.jpg\",\"contentUrl\":\"https:\\\/\\\/www.fma.gv.at\\\/wp-content\\\/uploads\\\/2023\\\/09\\\/Webseite-Teaser-1320x440-1.jpg\",\"width\":1320,\"height\":440,\"caption\":\"Pixabay (Markus Kammermann)\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/fma-foreign-currency-loans-survey-2nd-quarter-2023\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/\",\"name\":\"FMA \u00d6sterreich\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#organization\",\"name\":\"FMA - Finanzmarktaufsicht\",\"url\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.fma.gv.at\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/FMA_Logo_Twitter_400x400.png\",\"contentUrl\":\"https:\\\/\\\/www.fma.gv.at\\\/wp-content\\\/uploads\\\/2017\\\/05\\\/FMA_Logo_Twitter_400x400.png\",\"width\":400,\"height\":400,\"caption\":\"FMA - Finanzmarktaufsicht\"},\"image\":{\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/FMA_AT\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.fma.gv.at\\\/en\\\/#\\\/schema\\\/person\\\/c31b8cb77885775e776264ed40e1be4c\",\"name\":\"Alexander Plank-Bachselten\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8e73dd401695c0e6318c8fe39a8867ec0b54a4b90c0907e0aec83ebc64209836?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8e73dd401695c0e6318c8fe39a8867ec0b54a4b90c0907e0aec83ebc64209836?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/8e73dd401695c0e6318c8fe39a8867ec0b54a4b90c0907e0aec83ebc64209836?s=96&d=mm&r=g\",\"caption\":\"Alexander Plank-Bachselten\"}}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households - FMA \u00d6sterreich","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/","og_locale":"en_US","og_type":"article","og_title":"FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households - FMA \u00d6sterreich","og_description":"outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households","og_url":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/","og_site_name":"FMA \u00d6sterreich","article_published_time":"2023-09-14T07:50:19+00:00","article_modified_time":"2023-09-18T07:11:10+00:00","og_image":[{"width":1320,"height":440,"url":"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2023\/09\/Webseite-Teaser-1320x440-1.jpg","type":"image\/jpeg"}],"author":"Alexander Plank-Bachselten","twitter_card":"summary_large_image","twitter_creator":"@FMA_AT","twitter_site":"@FMA_AT","twitter_misc":{"Written by":"Alexander Plank-Bachselten","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/#article","isPartOf":{"@id":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/"},"author":{"name":"Alexander Plank-Bachselten","@id":"https:\/\/www.fma.gv.at\/en\/#\/schema\/person\/c31b8cb77885775e776264ed40e1be4c"},"headline":"FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households","datePublished":"2023-09-14T07:50:19+00:00","dateModified":"2023-09-18T07:11:10+00:00","mainEntityOfPage":{"@id":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/"},"wordCount":213,"publisher":{"@id":"https:\/\/www.fma.gv.at\/en\/#organization"},"image":{"@id":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2023\/09\/Webseite-Teaser-1320x440-1.jpg","articleSection":["Press Release"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/","url":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/","name":"FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households - FMA \u00d6sterreich","isPartOf":{"@id":"https:\/\/www.fma.gv.at\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/#primaryimage"},"image":{"@id":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/#primaryimage"},"thumbnailUrl":"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2023\/09\/Webseite-Teaser-1320x440-1.jpg","datePublished":"2023-09-14T07:50:19+00:00","dateModified":"2023-09-18T07:11:10+00:00","breadcrumb":{"@id":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/#primaryimage","url":"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2023\/09\/Webseite-Teaser-1320x440-1.jpg","contentUrl":"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2023\/09\/Webseite-Teaser-1320x440-1.jpg","width":1320,"height":440,"caption":"Pixabay (Markus Kammermann)"},{"@type":"BreadcrumbList","@id":"https:\/\/www.fma.gv.at\/en\/fma-foreign-currency-loans-survey-2nd-quarter-2023\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.fma.gv.at\/en\/"},{"@type":"ListItem","position":2,"name":"FMA Foreign Currency Loans Survey, 2nd Quarter 2023: outstanding loan volume falls to \u20ac 7.9 bn, 4.4% of all loans to private households"}]},{"@type":"WebSite","@id":"https:\/\/www.fma.gv.at\/en\/#website","url":"https:\/\/www.fma.gv.at\/en\/","name":"FMA \u00d6sterreich","description":"","publisher":{"@id":"https:\/\/www.fma.gv.at\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.fma.gv.at\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.fma.gv.at\/en\/#organization","name":"FMA - Finanzmarktaufsicht","url":"https:\/\/www.fma.gv.at\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.fma.gv.at\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2017\/05\/FMA_Logo_Twitter_400x400.png","contentUrl":"https:\/\/www.fma.gv.at\/wp-content\/uploads\/2017\/05\/FMA_Logo_Twitter_400x400.png","width":400,"height":400,"caption":"FMA - Finanzmarktaufsicht"},"image":{"@id":"https:\/\/www.fma.gv.at\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/FMA_AT"]},{"@type":"Person","@id":"https:\/\/www.fma.gv.at\/en\/#\/schema\/person\/c31b8cb77885775e776264ed40e1be4c","name":"Alexander Plank-Bachselten","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/8e73dd401695c0e6318c8fe39a8867ec0b54a4b90c0907e0aec83ebc64209836?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/8e73dd401695c0e6318c8fe39a8867ec0b54a4b90c0907e0aec83ebc64209836?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/8e73dd401695c0e6318c8fe39a8867ec0b54a4b90c0907e0aec83ebc64209836?s=96&d=mm&r=g","caption":"Alexander Plank-Bachselten"}}]}},"toolset-meta":[],"publishpress_future_action":{"enabled":false,"date":"2026-06-30 18:21:06","action":"delete","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/posts\/46277","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/users\/60"}],"replies":[{"embeddable":true,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/comments?post=46277"}],"version-history":[{"count":3,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/posts\/46277\/revisions"}],"predecessor-version":[{"id":46296,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/posts\/46277\/revisions\/46296"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/media\/46272"}],"wp:attachment":[{"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/media?parent=46277"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/categories?post=46277"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.fma.gv.at\/en\/wp-json\/wp\/v2\/tags?post=46277"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}