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posted on 04 August 2015

Banks Reported Little Change In Their Standards On Commercial And Industrial Loans In The Second Quarter Of 2015.

by Federal Reserve

The July 2015 Senior Loan Officer Opinion Survey on Bank Lending Practices indicated that, on balance, banks reported little change in their standards on commercial and industrial loans in the second quarter of 2015. In addition, banks reported having eased some loan terms, such as spreads and covenants, especially for larger firms on net.

Meanwhile, survey respondents also reported that standards on commercial real estate (CRE) loans remained unchanged on balance. On the demand side, modest to moderate net fractions of banks indicated having experienced stronger demand for commercial and industrial (C&I) and CRE loans during the second quarter.

Regarding loans to households, banks reported having eased lending standards for a number of categories of residential mortgage loans over the past three months on net. Most banks reported no change in standards and terms on consumer loans. On the demand side, moderate to large net fractions of banks reported stronger demand across most categories of home-purchase loans. Similarly, respondents experienced stronger demand for auto and credit card loans on net.

Responses to a set of annual questions on the level of lending standards suggested that banks' lending standards relative to longer term norms were notably different across major loan types. Domestic and foreign banks generally reported that standards for all categories of C&I loans remained either easier than or near the midpoints of their ranges over the past decade. After reporting that standards had eased on the quarterly surveys over the course of the past year, domestic banks also generally indicated that standards on most types of CRE loans were now somewhat easier than or near the midpoints of their ranges. However, despite shifts toward somewhat more accommodative credit policies for most types of loans to households over the past few years, moderate fractions of banks continued to report that the levels of standards for all types of residential real estate (RRE) loans and consumer loans to subprime borrowers were at least somewhat tighter than the midpoints of their bank's longer-term ranges.

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