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Banks recently had been competing for loans mainly on price. Now, with loan growth anemic, banks are competing on loan structure, doing everything from extending amortization periods to waiving prepayment fees.
August 14 -
The Federal Reserve Board's Senior Loan Officer Opinion Survey said credit conditions are improving for commercial and industrial loans but standards remain tight on mortgages and consumer debt.
August 5 -
Slowly but surely, community banks have been lending out more of the deposits they take in, a healthy sign for the industrys profitability.
July 25
Easier access to credit helped boost small businesses' optimism in the third quarter to its highest point since the recession began, according to a survey released Tuesday.
Small-business optimism stood at plus-25 in the most recent
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"The survey has shown a slow and uneven recovery for small businesses," Doug Case, Wells Fargo's small business segment manager, said in a
Small business owners also cited a steadily improving housing market as another reason for increased confidence. Of those surveyed, 45% said that rising house prices would improve their businesses' sales.