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Saturday, March 20, 2010, as of 10:47 PM EDT

Past Surveys

Survey

Mobile banking has taken off, but acceptance of mobile payments is lagging; what type of payment service is likely to catch on first?

Contactless payments at the point of sale

40%

Person to person transfers

24%

Something we’ve never thought of

18%

It will be years before consumers warm up to any mobile payment service

18%

Week Ending: 03/21/10

Posted from: 03/17/10 through 03/21/10

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Survey

What is the primary reason for the record number of enforcement actions against banks?
(See: Regulatory Actions Hit a Record Level in '09)

Continued weakness in the economy and the state of banks' balance sheets

52%

Baseline enforcement numbers were low and regulators are playing catch-up

11%

Regulators are responding to pressure from Congress

37%

Week Ending: 03/14/10

Posted from: 03/09/10 through 03/14/10

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Survey

What is the proper role for a housing GSE?

Guarantee loans for creditworthy borrowers, regardless of financial need, and buy MBS

22%

Guarantee loans for creditworthy borrowers, regardless of financial need, but don't hold mortgages

28%

Aid only low and moderate income borrowers through loan guarantees, like FHA

None. Housing should be left to market forces

43%

Week Ending: 03/07/10

Posted from: 03/01/10 through 03/07/10

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Survey

Have Fannie and Freddie become too aggressive about making lenders repurchase loans?

Yes, the GSEs are finding any and every excuse to send a loan back and it's poisoning business relationships

35%

No, Fannie and Freddie need to save taxpayers' money and this is a risk mortgage bankers sign up for

42%

Not sure, too much of this is going on behind the scenes to make an informed judgement

23%

Week Ending: 02/28/10

Posted from: 02/24/10 through 02/28/10

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Survey

Do community banks have a shot at acquiring failed banks, or are big banks going to get most of the spoils?

Yes, many community banks are getting healthier, and more interested in the smaller deals that are expected this year

44%

No, the big banks have more funding and expertise at bidding, and will still be interested

43%

Not sure, there are too many wildcards

12%

Week Ending: 02/21/10

Posted from: 02/15/10 through 02/21/10

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Survey

Should struggling community banks be eligible for the $30 billion the Obama administration has pledged to boost small-business lending?

Yes, if the capital would improve their fiscal health.

61%

No. The money will do more good in the hands of stronger banks.

31%

Not sure.

Week Ending: 02/14/10

Posted from: 02/08/10 through 02/14/10

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Survey

Regulators released more guidance encouraging banks to lend to small businesses. Did they really mean it?

Yes, regulators want banks to play a key role in the economic recovery

16%

No, they are merely responding to political pressure

60%

Doesn't matter: There aren't enough sound borrowers anyway

24%

Week Ending: 02/14/10

Posted from: 02/08/10 through 02/14/10

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Survey

To what extent will Tarp funds boost community banks' small-business lending?

Significantly – Any extra capital will have a big impact

Somewhat – Funding is a plus, but worthy borrowers are scarce

17%

Not at all – A better economy stimulates lending, not the other way around

75%

Week Ending: 02/07/10

Posted from: 02/01/10 through 02/07/10

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Survey

Did the President's State of the Union help regulatory reform?

Yes, the added attention will push the Senate to get something done

13%

No, his vague veto threat will make consensus harder to reach

51%

Won’t matter, the Senate situation was murky already

36%

Week Ending: 02/07/10

Posted from: 02/01/10 through 02/07/10

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Survey

How many banks do you expect to fail in 2010?

Fewer than 100

21%

100 - 200

45%

200 - 300

16%

More than 300

11%

Not sure; too busy stacking canned goods in the shelter

Week Ending: 01/31/10

Posted from: 01/25/10 through 01/31/10

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Survey

Do you think Congress will adopt President Obama's proposed tax on banks?

Yes, and it will become more onerous in the process

14%

Yes, but lawmakers will dilute the impact

32%

No, it will reduce lending and that's more important to lawmakers

42%

Ask me again after Sen. Brown's views become clear

12%

Week Ending: 01/22/10

Posted from: 01/16/10 through 01/22/10

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Survey

Which agency should regulate bank holding companies?

Fed should keep the power; it already has the resources and expertise

54%

OCC regulates big banks already; holding company supervision is logical next step

20%

FDIC insures bank deposits; so holding company supervision is logical next step

11%

It should be split between OCC and FDIC

15%

Week Ending: 01/15/10

Posted from: 01/09/10 through 01/15/10

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Survey

Huffington Post is urging readers to shift money to community banks, claiming government bailouts of big banks hurt smaller rivals. Have big-bank reputations been hurt enough to drive business to small ones? (Click here to read more on BankThink)

Yes – Anger runs deep and some customers will jump

38%

Maybe – Reps have been hurt but customers value convenience

29%

Maybe not – All banks have been tarred equally

No way – Customer inertia is still a powerful force

24%

Week Ending: 01/08/10

Posted from: 01/02/10 through 01/08/10

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Survey

What will be the most important influence on bank stocks in 2010?

Capital – Investors will make their calls based on banks’ capital positions relative to credit quality trends

33%

Profits – Earnings power will return to its traditional place as pacesetter on stock prices

28%

Wildcards – Banks will be at the mercy of factors beyond their control, such as overall health of the economy

39%

Week Ending: 01/08/10

Posted from: 01/02/10 through 01/08/10

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Survey

Treasury Secretary Tim Geithner says the government can, and will, prevent a "second wave" of crisis from hitting the financial industry. Is he:

Right – financial services will not be consumed by another crisis

15%

Wrong – such a prediction is foolish at best and dangerous at worst

32%

Just spinning – it's his job to talk up the economy

53%

Week Ending: 01/03/10

Posted from: 12/28/09 through 01/03/10

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