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Improved Loan-Sentiment Trends Might Still Reverse For U.S. Banks Aug 11
Standard & Poors, Aug 2011
Abstract
The July 2011 U.S. Senior Loan Officer Survey released by the Federal Reserve on Aug. 15, 2011, depicts gradual easing in lending conditions, continuing the trend set in the prior few quarters. Bank loan officers from 55 domestic banks and 22 U.S. branches and agencies of foreign banks indicated that lending standards and terms generally eased during second-quarter 2011 for most loans not secured by real estate. The survey was taken in mid-July, before market conditions turned volatile and the Fed reported that the economy was showing slower growth. Therefore, the November survey might depict a reversal of some recently reported trends, in Standard & Poor's Ratings Services' view. Commercial and industrial (C&I) lending continued to lead in demand. This...
Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.
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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