What Could A Double-Dip In Housing Mean For The U.S. Banking Sector's Earnings? May 11
Standard & Poors, May 2011
Abstract
It has been four years since the housing bubble burst, yet banks continue to worry about their exposure to the industry. Home sales and prices are still weak. So with more than one-third of loan portfolios allocated to the residential sector (one- to four-family and multifamily properties), housing is one of the key factors Standard & Poor's Ratings Services takes into account in analyzing the outlook for the U.S. banking industry. That's because banks are exposed to housing not only through their own loan portfolios, but also through their holdings of mortgage-backed securities (MBS). Given homebuilding's extended malaise, we have examined the impact on banks of a hypothetical double-dip in housing between now and December of 2012. We assume that...
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Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.
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