Net Percent of U.S. Banks Tightening Consumer Loan Standards and Recessions Is it a warning sign of a recession on the horizon? U.S. banks are significantly tightening lending standards, which doesn’t bode well for the economy. Image: Morgan Stanley Wealth Management
Bank Loan Flows Bank loan flows are slighlty positive. Image: BofA Global Investment Strategy
S&P 500 – Quantity-On-Loan on the SPY U.S. ETF This short interest proxy on SPY US ETF has increased significantly since the FOMC meeting. Image: J.P. Morgan
High-Yield Option-Adjusted Spread and Banks Reporting Tightening C&L Loan Standards Banks are tightening lending standards amid uncertain economic outlook, while credit spreads have largely normalized. Image: Goldman Sachs Global Investment Research
Loan Loss Provisions by S&P 500 Financials Should investors love bank stocks, as loan loss provisions are expected to decline sharply? Image: Deutsche Bank Asset Alloation
Delinquencies as % of Total Loans This chart shows the highest mortgage delinquency rate in nine years. Image: The Daily Shot
Bank Loans and Bank Lending Standards According to BofA, banks won’t lend, as nearly three-quarters of loan officers reported tighter bank lending standards in the second quarter. Image: BofA Global Investment Strategy
Commercial Bank Loan Delinquency Rate Chart suggesting that the commercial bank loan delinquency rate is expected to rise Image: Deutsche Bank Global Research
Housing – Mortgage Loan Applications to Purchase a Home in the U.S. Mortgage loan applications to purchase a home in the U.S. are back to pre-pandemic levels. Image: BofA Global Research
Delinquency – U.S. Unemployment Rate and Mortgage Loans Past Due The rising unemployment rate in the United States should increase the delinquency rate. Image: Oxford Economics