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Bank Lending Practices Survey (May, 2008)
Wed, May 7 2008, 07:20 GMT
by BBVA Bancomer Team
- • In 2Q08, an increasing number of financial institutions tightened lending standards for C&I loans. The majority of respondents increased spreads on the loan rates over their cost of funds.
- • Four main reasons to tight credit supply: less favorable economic outlook, worsening of industry-specific problems, reduce tolerance for risk and decreased liquidity in the secondary market for these loans. In addition, one out of three institutions had concerns about their bank’s current or expected capital position
- • Lower demand for C&I loans resulted from a decrease in customer’s needs to finance investment in plants and equipment or to finance merges and acquisitions
- • Commercial real estate: tightening supply and lower demand
- • The majority of respondents tightened their lending standards on prime, nontraditional and subprime residential mortgages over the past three months. Lower housing prices had led to tougher restrictions for home equity lines of credit
- • Increasing number of financial institutions reduced the limits on credit card loans and raised the minimum required credit scores to tighten household lending.
Published on Wed, May 7 2008, 07:21 GMT
Archive
- Bank Lending Practices Survey (May, 2008)
Published On Wed, May 7 2008, 07:20 GMT - Bank Lending Practices Survey (May, 2008)
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BBVA Bancomer
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