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Banks still want loans out there. Good loans that is. If they don't have loans out there they don't make money. They are not just going to close up shop and wait for good economic times to come again before they start trading again. Just more cautious. No doubt they're a bit nervy right at the moment. We'll soon see whether they believed their judgement was good 2 months ago. If not then you have to worry about the banks operations completely