There is a credit cycle during every economic expansion. We're conservatively baking in normalization of the credit cycle.
Analysts will also pay close attention to banks' commentary on interest income, as market participants increasingly expect the Fed to cut interest rates in the coming months.
All the deposit customers that were going to move their deposits for a higher rate in a money market account or at an internet bank have probably done it. Banks can then put those deposits to work by repricing loans at higher levels.
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