2025年第三季度银行高管商业前景调查（英）

Q3 2025 IntraFi Bank Executive Business Outlook Survey | See past reports & additional insights.SECTION NAME1BANK EXECUTIVE BUSINESS OUTLOOK SURVEY REPORTQ3 20252Welcome to IntraFi’s Bank Executive Business Outlook Survey report for the third quarter of 2025. In this edition of the survey—the 40th published by IntraFi—an overwhelming majority of bankers say a Fed governor should only be removed from office if there is proven impropriety. We also asked bankers about the importance of the Fed’s independence relative to policymaking, and about third-party risk management priorities. This report, with responses from 441 banks, discusses these results and other issues in more detail. We hope the information provided is insightful and helpful. As always, if you have any thoughts or questions, please contact Rob Blackwell, Chief Content Officer & Head of External Affairs, at (866) 776-6426, x3357, or visit IntraFi.com. MARK JACOBSEN Cofounder & CEO IntraFiA year ago, we asked bankers what changes they would favor to limit the Fed’s independence. While some bankers supported ideas like shortening the appointment term of the Fed chair (24%), the majority (55%) wanted to keep the status quo. Furthermore, only 5% agreed with requiring the Fed to consult with the president on interest rate decisions.Today, bankers support protecting the central bank’s independence from political interference even more strongly. Ninety-five percent report that maintaining Fed independence in conducting monetary policy is important, with 75% indicating strong support.A large majority of respondents (88%) believe proven improper activity (prior to or while in office) is the only standard presidents should use to fire a Fed governor. Only 6% said that alleged but unproven improper activity is an acceptable standard, and just 4% agreed that anything the president determines is acceptable is appropriate cause for removal. The Supreme Court is expected to issue a ruling on this question when Trump v. Cook is heard this term.Looking beyond the Fed, banks handle large amounts of highly sensitive personal and financial data, including social security EXECUTIVE SUMMARYINTRODUCTIONQ3 2025 IntraFi Bank Executive Business Outlook Survey | See past reports & additional insights.Q3 2025 IntraFi Bank Executive Business Outlook Survey | See past reports & additional insights.3Deposit Competition: Fifty-eight percent of bankers indicate deposit competition has remained steady, and nearly the same percentage (57%) believe it will remain that way for the next year.Funding Costs: A majority (77%) saw a decrease in their bank’s funding costs compared to 12 months ago, while 80% project their bank’s funding costs will drop further in the next 12 months.Loan Demand: Forty-six percent of bankers experienced higher demand. Bankers are slightly more optimistic about loan demand for the next 12 months, with almost half (47%) projecting an increase.Access to Capital: Seventy-four p