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Publications
First Glance 12L
First Quarter 2019: District Growth Solid but Slowing amid Rising Trade Tensions
The 1Q19 issue of First Glance 12L notes decelerating growth in District jobs, home prices, and lending. Quarterly bank profits came under pressure in part because of seasonal effects on asset yields and shifts to costlier funding sources. This quarter’s Spotlight feature discusses the District’s potential economic exposure to rising tariffs.
Banks at a Glance – Bank Profiles by State
Fourth Quarter 2018: Economic and Banking Highlights by State
Economic conditions across the SF Fed’s nine-state region remained favorable in the second half of 2018, although job and home-price growth cooled in most states. Average bank profitability increased in regional states, while loan growth was mostly stable or declining. See Banks at a Glance for more information.
Fintech Edge
The 2018 California Consumer Privacy Act: Understanding Its Implications and Ambiguities
This publication highlights some of the questions and implications that have arisen from the passage of California’s Consumer Privacy Act of 2018.
Real Estate Lending Risks Monitor
RE Market Conditions in the West: March 2019
This issue of the Real Estate Lending Risks Monitor focuses on office sector performance, as well as the impact of coworking space on office demand in the 12th District.
First Glance 12L
Fourth Quarter 2018: Bank Profits Strong amid Waning Growth and Weaker Sentiment
The 4Q18 issue of First Glance 12L notes continued strong bank performance. At the same time, District job growth slowed and sentiment regarding future loan demand, credit performance, and economic conditions weakened. Some housing markets and price tiers showed signs of softening. A new Spotlight feature discusses bank branching trends.
Pacific Exchange Blog
Can Korea Move Beyond Government-Backed Small Business Lending?
Korea has some of the most supportive policies for startups and small businesses, including an abundant supply of government-backed loans, due to their role as an employment engine. Support for small businesses is poised to remain strong as the country undergoes a strategic shift toward inclusive and innovation led growth. However, critics point to data suggesting government programs enable poor performance among companies. In response, policymakers have introduced measures to diversify financing, increase the role of capital markets, and improve productivity.
