Commercial Bank Lending Still Not Supporting Economic Growth – Seeking Alpha Page 1 of 1 Commercial Bank Lending Still Not Supporting Economic Growth…

The Industry chosen was Commercial Mortgage Lending industry. Commercial mortgage lending and how it has changed since the financial meltdown of 20081. The definition of commercial lending 2. Definition of CMBS and how comes into play for commercial lenders 3. . Which competitor has the best strategy in the commercial mortgage industry? My choice is Wells Fargo for the competitor. Identify industry drivers for change and summary your projections for the commercial mortgage industry going forward to the next five years.Address the changes in scope of an industry (either an industry you are currently employed within or one that you would like to investigate and learn more about). Identify the industry you have selected and summarize industry changes over the past five years. Ascertain the type of industry (i.e. emerging, maturing, declining, or fragmented) and utilize a portfolio matrix to portray industry attractiveness and competitive strengths. Which competitor has the best strategy in the industry? Identify industry drivers for change and summary your projections for the industry going forward to the next five years. Mini-Paper Format •Submitted in 12-point font, preferably Times New Roman, and double-spaced with 1-inch margins•The report should incorporate correct form, spelling, grammar, sentence structure, and communication skills•Each paper should be well-organized and well-written (should not be more than four (4) pages in length)

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Commercial Bank Lending Still Not Supporting Economic Growth – Seeking Alpha Page 1 of 1 Commercial Bank Lending Still Not SupportingEconomic GrowthMar. 24, 2014 9:54 AM ETby: John M. Mason Summary• Commercial bank lending is expanding at only a modest pace.• Much of the bank lending is going to refinance outstanding commercial real estate loans and to support othernon-productive activities.• Most Federal Reserve cash injections just going into "financial circuit" helping economy to restructure fromfifty years of credit inflation.Economic growth in the United States remains tepid — and commercial bank lending is doing no better.Through February and into March, the lending growth at commercial banks is not very strong. Overall, year-overyear, loans and leases at all commercial banks rose by just 2.5 percent.The largest twenty-five domestically chartered banks in the country only saw their lending book increase by less thanone percent. Commercial and Industrial loans increased by 9.0 percent, but it seems that the lending is not going intothe most productive types of loans, the ones that would spur on economic growth. It seems as if these large banksare making loans for mergers and acquisitions and the Federal Reserve is actually telling these banks to be a littlecareful on how much of this lending to do. Also, a lot of the business lending at large commercial banks seems to begoing to hedge funds and private equity funds that are using the money for things like the purchase of real estate,although the borrowing is through lines of credit and other business loan sources and do not show up in real estatelending category.Just a note to this; business loans at foreign-related financial institutions are up over 10.0 percent, year-over-year.This lending is certainly not going into Main Street uses that help to spur the economy along.The other lending category of interest on the business side is lending for commercial real estate. Commercial banklending for this purpose is up by almost 5.5 percent, year-over-year. The major strength in this area is coming fromthe "smaller" domestically chartered banks. These "smaller" banks have experienced an increase, year-over-year, ofabout 6.5 percent. http://seekingalpha.com/article/2105033-commercial-bank-lending-still-not-supporting-eco… 4/19/2014

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