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The deleveraging pain in Spain
Here’s a problem for Spain (and to a lesser extent, the US and UK) charted: Continue reading: The deleveraging pain in Spain
View ArticleThe banking system – still broken
Here’s a perfectly nuanced view of how quantitative easing — the programme started by the Federal Reserve to avert depression following an almighty banking bubble — impacts asset prices. First,...
View ArticleChina’s new, wider, financing measure
Back in February, the People’s Bank of China’s Sheng Songcheng was busy arguing that “society-wide financing” could act as a better guide for monetary policy than new bank loans. Just two months later...
View ArticleLive and lend loose, or, mortgages down under
A data point for the Australian housing bubble debate. Bank of America Merrill Lynch analysts have a great report questioning how Australian banks calculate mortgage approvals. It’s been picked up by...
View ArticleMortgage demand falling, says Fed
Demand for US mortgages is still falling even though banks are no longer tightening their lending conditions, according to the latest survey of senior bank loan officers by the Federal Reserve, the FT...
View ArticleEmerging loan demand
If you’ve ever wondered what a survey of senior lending officers in 45 emerging markets might look like (as opposed to, say, all those stagnant developed loan market surveys) here’s your chance. The...
View ArticleUK banks to hit Merlin targets
Big UK banks are on track to beat lending targets set in a government peace deal this year, countering growing criticism from politicians that loan volumes are too low, reports the FT. A government...
View ArticleMore on bank loan growth
The details of bank earnings have mostly followed the pattern set by JP Morgan last week: weak trading revenues, a focus on expenses, higher loan growth, residual worries about legacy mortgage...
View ArticleBankers and borrowers disagree about European housing
The European Central Bank’s latest quarterly bank lending survey shows that lending standards are getting looser and that demand for credit is rising. Lorcan Roche Kelly of Agenda Research summarised...
View ArticleOne look at whether reduced bank lending costs stimulates the economy
Here’s an easy game: spot the credit card provider who needs to try harder. Most of the time, banks manage credit card limits in a fairly continuous and granular way. As credit scores go up, so do...
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