In order to assess bank lending conditions in emerging markets, the IIF conducts a quarterly survey among banks based in five emerging market regions: Emerging Asia, Latin America, Emerging Europe, Middle East & North Africa and Sub-Saharan Africa. The Survey is addressed to Senior Loan Officers, Chief Credit Officers, Credit Risk Officers or other senior officers in comparable positions. The survey, which began in December 2009, is carried out using a questionnaire containing fourteen multiple-choice questions that address five different topics on bank lending: 1) Credit standards for business, consumer and real estate loans; 2) Demand for business, consumer and real estate loans; 3) Domestic and international funding conditions; 4) Demand and supply conditions for trade finance; and 5) The evolution of nonperforming loans. The survey responses for each question is converted into a diffusion index for all regions. The survey results are published in January, April, July and October and are used extensively by the financial industry. For any questions about the survey, please contact Arpitha Bykere.