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Frank Tian
Jun 25, 20231 min read
Effects of Fed's 10 Rate Hikes
The Fed has handed out 10 rate hikes, with a possible 11th next month. What are the effects of the fastest rate hikes, so far? [US Macro...
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Frank Tian
Jun 10, 20231 min read
Canada Macro Update
Consumers hang in there while interest rate continues to pinch.
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Frank Tian
May 23, 20231 min read
Canadian Banks Q2 Reserve Update
🇨🇦 Banks Q2 Reports Another quarter with a modest reserve increase. In Q2 (ending Apr), the collective reserves of the big 5 Canadian...
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Frank Tian
Mar 13, 20231 min read
🇨🇦 Bank Reserves
The 3-year Pandemic Journey 🇨🇦 Bank Reserves Big 5 Canadian banks started the 1st quarter in fiscal year ‘23 with another allowance...
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Frank Tian
Mar 1, 20231 min read
Canadian Macro Update
🇨🇦 Jan inflation down to 5.9%. Why is the price still high up there? Inflation measures the speed of price increases. The drop of...
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Frank Tian
Jan 1, 20232 min read
9 Things to Watch in Consumer Credit.
1. Will the central bank succeed in taming high inflation with a soft landing? The ideal scenario for businesses and consumers: the...
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Frank Tian
Nov 16, 20221 min read
US Q3 Update
Q3 saw fast rate hikes and an uncertain future. How is the US household credit doing? Here is the latest Fed report: 👇 US household debt...
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Frank Tian
Oct 31, 20221 min read
🇺🇸 Macro: Another Large Rate Hike
As expected, the Fed hiked the rate by another 75 bps today. The cumulative rate increase this year is 375 bps - the fastest in history....
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Frank Tian
Oct 25, 20221 min read
🇨🇦 Canada Rate Decision Today (Updated)
BoC hiked the rate by another 50 bps, which brings the cumulative rate hike this year to 350 bps. The increase is lower than the...
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Frank Tian
Oct 5, 20221 min read
💼 Financial Jobs Dipped Slightly
Despite the layoff headlines, # jobs in finance and insurance largely held steady in September. 🟦 BLS reported a decrease of 13K jobs in...
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Frank Tian
Sep 27, 20221 min read
Unemployment Rate vs. Consumer Credit Risk
🇺🇸 Fed’s Unemployment Rate Forecast And its implication for consumer credit risk. 👇 When Fed hiked the rate by another 75 bps on 9/21,...
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Frank Tian
Sep 3, 20221 min read
Canada Rate Decision - September
🇨🇦 Canada Rate Decision Today As the market expected, BoC hiked the rate by another 75 bps, in an effort to bring down inflation...
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Frank Tian
Aug 18, 20221 min read
🇨🇦 Canada Macro Update
July inflation is out … +7.6% Y/Y. Finally, it is moving in the right direction, but still outpacing wages. 🟨 July inflation down to...
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Frank Tian
Aug 6, 20222 min read
Aging Effect on Inflation
Recession with Full Employment? The macro trend underneath … US Q2 GDP Y/Y growth is -0.9%, according to BEA’s advance estimate today....
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Frank Tian
Aug 4, 20221 min read
🇺🇸 Macro: Another Large Rate Hike
The Fed raised the interest rate by 75 bps today. This brings the cumulative rate increase this year to 225 bps. With full employment,...
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Frank Tian
Jul 1, 20221 min read
Brex Ending SMB Relationship
Grow Out of The Relationship Brex, a 5-year-old fintech specializing in corporate credit cards for startups, is parting ways with the key...
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Frank Tian
Jun 25, 20222 min read
Inflation Management and Risk Management
US inflation reached a new 40-year high at 8.6% in May. How could the policymaker manage inflation differently? Why not look at the risk...
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Frank Tian
Jun 17, 20221 min read
Inverse Wealth Effect
Even for those without any income loss, Market slides will lead to less consumer spending. This CBC piece explains the inverse "wealth...
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Frank Tian
Jun 1, 20221 min read
Housing Market Update - April
🏠 Market Update Canadian housing is such a hot topic now, Even Simu Liu had to take a jab at it in his Juno Award speech. 🇨🇦 After a...
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