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
U.S. Bank Loans On the positive side, U.S. banks have significantly increased lending. Image: BofA Global Investment Strategy
Delinquency Rate on All Loans and Recessions In recent history, the delinquency rate trended upward before the recession began. Today, it is declining and does not suggest a recession is looming.
Commercial and Industrial Loans of U.S. Banks as % of GDP vs. Deliquency Rate Is the end of the U.S. credit cycle near? The delinquency rate remains low, while U.S. business loans are close to previous highs. Image: Pavilion Global Markets
U.S. Commercial and Industrial Loans Outstanding Business loan growth is slowing down, despite Fed easing. Currently, liquidity is going into the financial markets, but not into the real economy. Image: Pictet Wealth Management
Business Loans at U.S. Banks Business loans at U.S. banks are tightly connected to the real economy and stalled in second half of this year. Image: Financial Times
U.S. High Yield Bonds and Leverage Loans The pace of downgrades has accelerated in the U.S. leveraged loan market, despite declining interest rates. Image: Goldman Sachs Global Investment Research