Rachel Louise Ensign

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574 appearances 12 recordings 1 series first heard Jan 2018 last heard Jan 2024

Rachel Louise Ensign’s voice in public audio — every appearance, attributed to the second.

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And then the wild card is obviously credit quality, which is how many of the loans go bad.

And we've been at historically low levels for years at this point.

And one thing that investors are worried about is maybe that's going to come to an end.

Yeah, definitely.

And there are a few reasons for that.

One is simply M&A.

There actually have been a lot of deals that have been going on in this part of the market.

You know, smaller banks that don't really have national name recognition, they have been buying each other.

And a lot of those deals have been for a premium.

So investors think that those stocks should trade at a higher valuation because there's a good chance that

they might be sold to someone for even more money in a few months.

Thanks for having me.

WSJ Your Money Briefing · Banks Loosening Loan Terms Worries Regulators · 30 May 2018 podcast

Basically, banks have pulled back on lending to certain business customers who are seen as riskier. matched

And what's happened is that their commercial loan growth has really declined in the last few years. matched

And there's no real consensus as to why. matched

Some of it might be tied to tighter regulations. matched

Some of it is probably not. matched

But the fact of the matter is banks need to make these loans to grow and to make their profit projections. matched

They're becoming a little bit more aggressive in their easing terms, and that's something that regulators are a little bit concerned about. matched

Yeah. matched

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