loan demand

Macro: Banking: Senior Loan Officer’s Survey and Lending

By Douglas R. Terry, CFA|2023-11-08T14:08:47-05:00November 8th, 2023|Economy|

Banks continue to tighten lending standards across all sectors. This has eased a bit from the July survey. Banks continue to widen spreads across all sectors. The percentage of banks widening spreads has also eased a tad. Banks are not seeing increasing demand for loans. I'm just posting survey results for C&I loans, the graph is very similar for commercial [...]

Given Past Few Years, C&I Slowdown Isn’t At All Surprising

By Jeffrey P. Snider|2017-06-12T18:35:45-04:00June 12th, 2017|Currencies, Economy, Federal Reserve/Monetary Policy, Markets|

There isn’t much data available on the mechanics of lending or the other side of it borrowing. It’s a topic of interest nonetheless given the crucial role (sadly) of debt in determining the marginal economic direction (second derivative). A financialized economy is a drag without credit growth. One of the more encouraging signs on that account was an acceleration of [...]

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