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U.S. Bank Loans: Battling Back From The Recession As Growth Remains Weak Feb 12
Standard & Poors, Feb 2012
Abstract
Judging from the news headlines describing U.S. banks' fourth-quarter 2011 earnings, it appears as though loan growth was robust for the industry as a whole--and particularly so for at least several large banks--and that momentum will pick up during 2012. However, bank management teams appear more guarded when discussing their outlooks for 2012, in Standard & Poor's view. Indeed, a close look at loan trends indicates that new lending is far from being on solid footing, in our opinion. We have therefore examined lending for the industry in the current economic recovery and compared that with recovery periods following past recessions. We found that in the current recovery, the strength in lending is still largely in the resurgent commercial and...
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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