Q4 2022 Bank Executive Business Outlook Survey

October 1, 2022

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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A list identifying IntraFi network banks can be found at www.IntraFi.com/network-banks.

Deposit placement through an IntraFi service is subject to the terms, conditions, and disclosures in applicable agreements. IntraFi is not an FDIC-insured bank, and deposit insurance covers the failure of an insured bank. Deposits placed through CDARS and ICS are placed at FDIC-insured banks in IntraFi’s network and are eligible for FDIC deposit insurance coverage at network banks. Deposits that are placed through an IntraFi service at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using an IntraFi service are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through an IntraFi service satisfies any restrictions on its deposits.