Q4 2022 Bank Executive Business Outlook Survey

With a possible recession looming, bankers have seen loan demand fall—and expect it to keep dropping.

Fifty-one percent of respondents said their bank’s loan demand decreased over the prior year, a 23-point increase from IntraFi’s survey a year earlier. Only three in ten reported a rise in demand, with 19% noting no change. Looking over the next year, 53% said they expect loan demand to decrease, a 41-point jump from a year earlier.

With interest rates at their highest level since 2007, banks are also seeing heightened competition for deposits—and facing the prospect it may get even tougher.

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