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Notice that while the percentage of respondents tightening standards is still positive, the overall trend is decreasing, meaning the percentage of banks tightening their standards is decreasing. This trend has been in place since the first of the year.
However, commercial real estate loan demand is still dropping -- and has been for some time.
As with the commercial real estate loans, commercial and industrial loan standards are still tightening, but at a slower pace than the beginning of the year.
And C and I loan demand is still weak.
Finally, demand for residential loans is increased strongly during the first half of this year but has dropped a bit since.
What do these charts tell us overall?
1.) Loan demand is extremely weak except for residential real estate loans.
2.) Lending standards are still tightening, but at a slower pace than the beginning of the year.
