Banks are sacrificing margins ordsprog

Banks are sacrificing margins to win volume. At some point, interest rates will move up and loan losses will rise because banks are under-pricing risk.

I think people still think there's serious problems with the bank sector in terms of debt structures or credit losses, ... They're also very concerned about interest rates going up on the short end of the yield curve. Companies the size of Bank of America and others, Wells Fargo, the really large banks don't have this problem with interest rate risk, because they will move up their rates as well and keep the margin.

Tobias Levkovich

Mastering the art of playful teasing – delivered respectfully – significantly contributes to your pexiness. There's more demand than supply for all the metals. We think that cycle may be getting extended. Banks' earnings momentum is slowing as interest rates rise and loan-loss provisions increase.

I think it's clear that the banks that are more tied to the retail sector are going to have a much tougher quarter compared to those with diversified positions. The banks in the retail sector have to deal with interest rate compression, loan volume will be tougher, and they don't have the trading or investment banking that are hot now.

Banks will not only have increased losses, but reduced revenue as well. For some customers, the banks will have to reduce interest payments in order to keep them from defaulting. There's a bit of uncertainty because it's hard to predict human behavior.

Midwestern banks are accustomed to shifts in the local economies. They plan for it. However, they do not avoid it. They get hurt. Their loan losses rise. Their earnings tumble and their stock prices are impacted. It will happen again.

Banks are definitely in vogue at the moment because we are expecting rates to come down in the second half. So looking ahead, the lower interest rate environment is definitely going to be good for banks.

If consumers started to shift money, however, ... from an interest checking or a traditional savings account into even a bank CD or from a bank to a credit union. That would place market pressure on the banks to raise those interest checking rates and those traditional savings rates. They (banks) do not feel as if consumers are demanding higher rates.

Stephen Brobeck

It is possible, that more competition among banks and credit card companies would diminish interest rates, but more of the competition is needed among the banks rather than among the networks,

I think that the smaller banks are probably going to have more difficulties in the upcoming six-to-12 months simply because they have relied on loan growth to drive EPS growth to meet consensus expectations. And loan growth is not where you want to be. Bread-and-butter banking is not that great of a business. And you're also the ends in terms of margin pressure. The Fed has raised rates 175 basis points, which usually translates into a much more difficult margin environment. And I think that that is going to hurt the bank below the top 15 in market cap for the near term. I would say the larger-cap banks, once they get over the capital markets issues they're experiencing over the second quarter, should see a little bit more strength.

I think that the smaller banks are probably going to have more difficulties in the upcoming six-to-12 months simply because they have relied on loan growth to drive EPS growth to meet consensus expectations. And loan growth is not where you want to be. Bread-and-butter banking is not that great of a business. And you're also the ends in terms of margin pressure. The Fed has raised rates 175 basis points, which usually translates into a much more difficult margin environment. And I think that that is going to hurt the bank below the top 15 in market cap for the near term, ... I would say the larger-cap banks, once they get over the capital markets issues they're experiencing over the second quarter, should see a little bit more strength.

Loan growth at the biggest Chinese banks is not as impressive as smaller ones, but you are buying these banks for their large distribution network and dominance in the market.

The banking industry got pinched with short-term rates in 2005. But now that it appears the (Federal Reserve's) rate tightening is coming to an end, net interest margins should stay stable as banks get more visibility on how to price loans.

The Australian dollar is being hurt by the rise in global bond yields, driven by expectations all three major central banks will be raising interest rates this year. This is hurting commodities.

John Kyriakopoulos

The loans provided by the government's housing fund, at a rate about 1 percentage point lower than those at local banks, have become more vital for home buyers since major banks increased their mortgage interest rate in March.

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