Big U.S. Banks Panic as Lending Demand Crashes

Lending demand continues to decline which is threatening the profit margins of the big U.S. Banks. By design of the financial system, the banks will be forced to buy bonds to back customer deposits which will drive interest rates back down.

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[WhittyPics]

My mortgage company has been sending me letter after letter wanting me to take $100, 000 equity out of my house for another $600 a month. I don't think so.

[nancydickson]

*YOU DON'T HAVE TO BE GREAT TO START BUT YOU HAVE TO START TO BE GREAT—BLOSSOM JEFFERSON* 💖.

[davidwyatt]

Big U.S. Banks Panic as Lending Demand Crashes-Be it a crash or rise the financial markets will always have lucrative means for folks to earn decent payouts. I’m just being inquisitive? how are you yielding gains

[Thegr]

Inflation will continue to go up. Fed has no control now. National debt is too expensive.

[quartzstatistics]

No one wants the treasury bonds, no one wants to take on new money creation. So next mounth nobody has liquidity to pay it's that is why they panic😂😂😂😂😂😂 the chairdance started last mounth where 14 chairs, this mounth 12 chairs, next mounth 6 escalated quickly/ HUGE DEFLATION

[CactusLand]

But loans create deposits, if the banks are not lending, they are not creating deposits, so where do you extra $$$ come from?

[keithrodgers]

The property Ponzi scam is finally being rumbled. Creating money by a few key strokes is dodgy money creation.

[toms]

What's the bigger mistake Steve, buying bonds at the top or selling them at the bottom 🙄

[huntergu]

What if inflation rate is far higher than the bond return? Would banks still be able to sustain their profits?

[imkindofabigdeal]

Interest increases are one thing - there is also less need to move for a new job with remote work/work anywhere normalized post-Covid. I'm planning to stay put for the duration.

[abhijitbaner]

Banks do not hold Mortgage Loan assets; they sell them to Fannie & Freddie most of the times; a higher interest rate environment is always booming for banks (look at how XLF is doing vs TLT) because they accumulate more deposits that could enhance their balance sheet. They also capitalize on niche needs of the capital markets which gets them much higher rates. Anyways, you can safely invest in well capitalized banks during a higher interest rate situation

[utube]

I came here because of George Gammon. Thanks George. Thanks Steven.

[meximatthew]

The best investment one can do right now is investing on Forex trading though stocks are good but ever since I swapped to Forex, I've seen so much difference

[alleneverhart]

Yes, thanks Steve for edifying us on how banks behave. I took profits in my commodity related equities and I am using the money to accumulate TLT since banks are motivated buyers.

[postscript]

Good podcast. Instructive. Thank you.

[josefIL]

Blah... Say the final goodbye to this fraudulent system 💩

[omartiger]

I am glad I was one of the first 10, 000 subscribers

[braemp]

Can’t banks just send excess cash to repo instead of bonds?

[marcus]

So the Commercial Banks buy more Treasuries but the Fed stop buying Treasuries. What is the net result? Will yields continue to rise or will they fall? Does the commercial banks buying outweigh the Feds rolling off?

[miskittt]

Hi home prices coupled with high interest rates lead to market correction.