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Senior Loan Officer Survey: Difference between revisions
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Database: https://fred.stlouisfed.org/categories/32239 | |||
== Developments == | == Developments == | ||
[[File:Screenshot 2023-08-21 131658.png|alt=|center|thumb|423x423px|https://www.federalreserve.gov/data/documents/sloos-202307-fullreport.pdf]] | |||
=== Q1 2023 === | === Q1 2023 === | ||
Some sectors tightening is now close to 2020/2008 levels. This is especially true for commercial and industrial loans, one of the most important categories for the economy. However increase during the quarter was still somewhat small, which could leave room for further tightening ahead.<ref>https://www.federalreserve.gov/data/documents/sloos-202304-fullreport.pdf</ref> | Some sectors tightening is now close to 2020/2008 levels. This is especially true for commercial and industrial loans, one of the most important categories for the economy. However increase during the quarter was still somewhat small, which could leave room for further tightening ahead.<ref>https://www.federalreserve.gov/data/documents/sloos-202304-fullreport.pdf</ref> | ||
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* About reasons for changing standards on all loan categories in the first quarter, banks cited a less favorable or more uncertain economic outlook, reduced tolerance for risk, deterioration in collateral values, and concerns about banks’ funding costs and liquidity positions | * About reasons for changing standards on all loan categories in the first quarter, banks cited a less favorable or more uncertain economic outlook, reduced tolerance for risk, deterioration in collateral values, and concerns about banks’ funding costs and liquidity positions | ||
* About banks’ outlook for lending standards over the remainder of 2023, banks reported expecting to tighten standards across all loan categories. Banks most frequently cited an expected deterioration in the credit quality of their loan portfolios and in customers’ collateral values, a reduction in risk tolerance, and concerns about bank funding costs, bank liquidity position, and deposit outflows | * About banks’ outlook for lending standards over the remainder of 2023, banks reported expecting to tighten standards across all loan categories. Banks most frequently cited an expected deterioration in the credit quality of their loan portfolios and in customers’ collateral values, a reduction in risk tolerance, and concerns about bank funding costs, bank liquidity position, and deposit outflows | ||
=== Q2 2023 === | |||
== References == | == References == | ||