I think people are still spend

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D1ane
10-14 16:10

I think people are still spending, but becoming more careful about where their money goes. Essentials come first, while big-ticket items and non-essential purchases are easier to put off. The consumer may still be holding up, but that doesn’t mean people aren’t feeling the pressure of higher prices.

# Bank earnings intensify: net interest margin or loan-loss reserves first?

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BofA fell Tuesday after a $1.2B Treasury fine. Two lines matter: whether net interest margins hold or expand, and whether consumer and commercial loan-loss provisions rise in tandem. Bulls say high rates still support NIM and capital markets trading has recovered. Bears say elevated provisions would signal credit deterioration across the financial sector. Net interest margin or loan-loss provisions — which actually moves bank stocks this week?\n\n","image":"https://community-static.tradeup.com/news/694bfc694875b6cab8ca98469eb2e3aa"}],"images":[],"coverImages":[],"title":"","html":"<html><head></head><body>I think people are still spending, but becoming more careful about where their money goes. Essentials come first, while big-ticket items and non-essential purchases are easier to put off. 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