The results of the survey indicate that during the second quarter of 2015 there has been no change in credit standards on loans to enterprises across all loan categories and that such credit standards are expected to remain unchanged during the third quarter. Similarly, no change was determined in credit standards in respect of consumer credit and other lending or access to retail and wholesale funding sources. Access to funding sources is expected to remain unchanged during the third quarter of 2015. With regard to the impact of CRD IV as well as other regulatory or supervisory actions, banks’ risk-weighted assets as well as their capital were, for the most part, unchanged during the first half of 2015 with only minor changes expected during the second half of 2015.