Frank TianApr 25, 20231 min readBankingUS Banks Reserves Update🚨 With the banking crisis in March, What is the impact on US banks' upcoming credit loss? Based on the latest Q1 ‘23 reserve changes,...
Frank TianOct 19, 20221 min readConsumer CreditUS Bank Q3 Mortgage🏠 Interest Rate Dampens Mortgage Activity The Q3 earnings reports show the impact of the fast interest rate hike. Q3 ‘22 mortgage...
Frank TianAug 28, 20221 min readBankingCanadian Banks Q3 Reserve🇨🇦 Despite the recession risk, no need to panic. According to the reserve changes at the Big 5 Canadian banks. In Q3 F’22 (ending...
Frank TianJul 27, 20221 min readConsumer CreditUS Banks Q2 CardsActions don’t always match feelings. As confirmed by the credit card numbers in Q2 earning reports. Credit card purchases had a strong...
Frank TianJul 25, 20221 min readBankingUS Banks Q2 MortgagesInterest Rate Effect on Mortgage The Q2 earnings reports provided a glimpse of the latest impact of the interest rate hike. Q2 ‘22...
Frank TianJul 23, 20221 min readBankingUS Banks Q2 ReservesThe horizon is stormy, but no clear sign of the severity yet. That is the message from the big banks in this earning season. The largest...