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Senior Loan Officer Opinion Survey on Bank Lending Practices, Release Date: 2024-02-05

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Name
Senior Loan Officer Opinion Survey on Bank Lending Practices

Link
http://www.federalreserve.gov/boarddocs/SnLoanSurvey/

Source
Board of Governors of the Federal Reserve System (US)

Notes
For further information, please refer to the Board of Governors of the Federal Reserve System's Senior Loan Officer Opinion Survey on Bank Lending Practices release, online at http://www.federalreserve.gov/boarddocs/SnLoanSurvey/. For questions on the data, please contact the data source: https://www.federalreserve.gov/apps/ContactUs/feedback.aspx?refurl=/data/SLOOS% For questions on FRED functionality, please contact: https://fred.stlouisfed.org/contactus/

639 Series Revisions

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Number of Other Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing from Other Bank or Nonbank Sources Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSSSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Number of Large Domestic Banks That Eased and Reported That Improvement in Current or Expected Capital Position Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRECNLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 3.0

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Increased Customer Internally Generated Funds Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRWGNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2023 5.0

Number of Domestic Banks That Tightened and Reported That Less Aggressive Competition from Other Banks or Nonbank Lenders Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTANNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 11.0

Net Percentage of Other Domestic Banks Reporting Increased Willingness to Make Consumer Installment Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLIWOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -13.5

Number of Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRERVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Increased Customer Internally Generated Funds Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRWGVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2023 0.0

Net Percentage of Foreign Banks Increasing Collateralization Requirements Quarterly, Not Seasonally Adjusted, SUBLPFCITQNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.3

Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customers' Precautionary Demand for Cash and Liquidity Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWPSOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Net Percentage of Other Domestic Banks Increasing the Use of Interest Rate Floors for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTFOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 23.7

Number of Domestic Banks That Eased and Reported That Improvement in Current or Expected Capital Position Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRECVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Merger or Acquisition Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSMSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 1.0

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Customers' Transitioning from Commercial and Industrial Loans to Commercial Real Estate Loans Was a Very Important Reason (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPFCIRWRVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2013 0.0

Net Percentage of Large Domestic Banks Reporting Stronger Demand for Credit Card Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLCDLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 0.0

Number of Other Domestic Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Inventory Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRSINOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Accounts Receivable Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWASNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 15.0

Net Percentage of Large Domestic Banks Tightening Standards for Government Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSGLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -6.3

Number of Other Domestic Banks That Tightened and Reported That Less Aggressive Competition from Other Banks or Nonbank Lenders Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTANOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 8.0

Net Percentage of Large Domestic Banks Increasing Collateral Requirements for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTQLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 13.6

Number of Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREISNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREOVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 1.0

Net Percentage of Large Domestic Banks Tightening Standards for Qualified Mortgage Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMSJLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 5.6

Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Investment in Plant or Equipment Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWESOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 9.0

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customers' Precautionary Demand for Cash and Liquidity Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRWPSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2023 1.0

Net Percentage of Domestic Banks Reporting Stronger Demand for Non-Qualified Mortgage Non-Jumbo Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDMNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -53.2

Number of Domestic Banks That Eased and Reported That Improvement in Industry-Specific Problems Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREIVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Net Percentage of Domestic Banks Increasing Spreads of Loan Rates over Banks' Cost of Funds on Other Consumer Loans Excluding Credit Card and Auto Loans Quarterly, Not Seasonally Adjusted, SUBLPDCLXTSNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 19.6

Net Percentage of Domestic Banks Increasing the Cost of Credit Lines to Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTCNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 22.6

Number of Other Domestic Banks That Eased and Reported That More Favorable Economic Outlook Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIREONOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 3.0

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Commercial Real Estate Loans Secured by Nonfarm Nonresidential Structures Quarterly, Not Seasonally Adjusted, SUBLPDRCDNOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -52.6

Number of Large Domestic Banks That Tightened and Reported That Decreased Liquidity in the Secondary Market for These (Commercial and Industrial) Loans Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTSSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Net Percentage of Large Domestic Banks Tightening Loan Covenants for Large and Middle-Market Firms Quarterly, Not Seasonally Adjusted, SUBLPDCILTLLGNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 9.1

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Increased Customer Merger or Acquisition Financing Needs Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSMNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 3.0

Net Percentage of Domestic Banks Reducing the Maximum Maturity for Consumer Loans Excluding Credit Card Loans (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCLOTMNQ
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2011 -1.9

Number of Other Domestic Banks That Eased and Reported That Improvement in Current or Expected Capital Position Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRECVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 0.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing from Other Bank or Nonbank Sources Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRSSNNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2022 3.0

Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Shifts in Customer Borrowing to Other Bank or Nonbank Sources Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWSVOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 0.0

Number of Other Domestic Banks That Eased and Reported That Increased Tolerance for Risk Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRERNOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q4 2022 3.0

Number of Domestic Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTIVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 3.0

Net Percentage of Other Domestic Banks Reporting Stronger Demand for Qualified Mortgage Non-Jumbo, Non-GSE-Eligible Mortgage Loans Quarterly, Not Seasonally Adjusted, SUBLPDHMDQOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 -52.9

Number of Domestic Banks That Tightened and Reported That Increase in Defaults by Borrowers in Public Debt Markets Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTDSNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 4.0

Number of Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Investment in Plant or Equipment Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWEVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 6.0

Net Percentage of Domestic Banks Tightening Policies on Consumer Loans Excluding Credit Card Loans for Customers That Do Not Meet Credit Scoring Thresholds (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPDCLOTENQ
Units # of New/Revised Obs. Last Observation Percent 0 Q1 2011 3.8

Number of Large Domestic Banks That Tightened and Reported That Worsening of Industry-Specific Problems Was Not an Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTINLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 6.0

Number of Other Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Accounts Receivable Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWASOTHNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 11.0

Number of Foreign Banks That Reported Stronger Commercial and Industrial Loan Demand and Reported That Customers' Transitioning from Commercial Real Estate Loans to Commercial and Industrial Loans Was a Very Important Reason (DISCONTINUED) Quarterly, Not Seasonally Adjusted, SUBLPFCIRSRVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q3 2013 0.0

Number of Domestic Banks That Tightened and Reported That Increase in Defaults by Borrowers in Public Debt Markets Was a Very Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRTDVNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2011 0.0

Number of Large Domestic Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Increased Customer Internally Generated Funds Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPDCIRWGSLGNQ
Units # of New/Revised Obs. Last Observation Number of Responses 1 Q1 2024 2.0

Number of Foreign Banks That Reported Weaker Commercial and Industrial Loan Demand and Reported That Decreased Customer Inventory Financing Needs Was a Somewhat Important Reason Quarterly, Not Seasonally Adjusted, SUBLPFCIRWISNQ
Units # of New/Revised Obs. Last Observation Number of Responses 0 Q1 2023 2.0

Net Percentage of Other Domestic Banks Tightening Loan Covenants for Small Firms Quarterly, Not Seasonally Adjusted, SUBLPDCISTLOTHNQ
Units # of New/Revised Obs. Last Observation Percent 1 Q1 2024 25.6