![Banken bleiben ruhig und machen weiter [OC]](https://www.bytesde.com/wp-content/uploads/2025/09/zwetmdoo8irf1-1024x853.png "Banken bleiben ruhig und machen weiter [OC]")
Diese Visualisierung zeigt die US-amerikanischen Darlehensvorschriften nach Darlehensart von 1985 bis zu präsentieren unter Verwendung der Federal Reserve H.8-Daten. Anlagen repräsentieren Kredite, die Banken aufgegeben haben, um zu sammeln-im Wesentlichen deren Eingeständnis, dass das Geld für immer verschwunden ist.
Die Einsparungs- und Kreditkrise in den neunziger Jahren konzentrierte sich auf gewerbliche Immobilien- und Geschäftsdarlehen, die die Volcker -Zinserhöhungen nicht zu zweistelligen Zahlen umgehen konnten. 2001 konzentrierte sich auf den Pop in der Tech -Blase und die über Investition in Telekommunikationsraum. 2008 begann als Wohnimmobilienkrise, die dann zu Massenarbeitslosigkeit und Verbraucherschwäche führte. Bisher ist das einzige spürbare Problem ein Haken in Verbraucherkrediten, obwohl eher eine Normalisierung von Post -Covid -Tiefen als alles andere.
Die wichtigste Einschränkung dieser Analyse besteht darin, dass H.8 -Daten nur Geschäftsbanken abdecken, nicht das breitere Finanzsystem. Fintechs und private Kreditgeber sind nicht Teil dieses Datensatzes.
Von DataVizHonduran
7 Kommentare
Source: Federal Reserve data [https://www.federalreserve.gov/releases/chargeoff/chgallsa.htm](https://www.federalreserve.gov/releases/chargeoff/chgallsa.htm) Tools: python and plotly
I’d like to see the same data points for loan originations of various types over time.
>The savings and loan crisis in the 1990s was centered around commercial real estate and business loans that couldn’t handle the Volcker rate hikes into double digits.
The S&L crisis was more of an 80s thing, as rates peaked in ‘81, and during the early to mid-80s, interest rate cap regulations were removed. Banks had to compete on deposit rates, which meant their funding costs zoomed upward.
That was the best case, though. A new invention (money market funds / accounts!) were already sucking money out of the banking system because they offered way better rates.
It’s not that dissimilar from what we saw in ‘22 and ‘23. After a period of relatively low rates, the Fed taking short term rates above 5% enticed people to move money that sat in lower yielding accounts into higher yielding accounts. Obviously the magnitude of rate changes was a lot smaller, but it’s also a lot easier to change banks these days.
What about the large amount of underwater treasurys that the Fed is letting banks hold onto? You do add one small caveat, but you forget to mention that PE has steeped in a lot lately. PE acting as banks is the concern. Pretty misleading title.
This time is going to be all the financing around AI data centers. A lot of borrowing from Peter to pay Paul. And no guarantee that these builds will even get used right away.
Impressive, very nice… now let’s see the unrealized losses on securities
This is super interesting. You can really see how the 2008 financial crisis impacted everything. Whereas things like DotCom bust or Covid stimulus had much more narrow affects. It’s surprising to me that Covid/work from home has not (yet at least) had much impact on the defaults in the commercial real estate market given the constant nattering about that.