Have Banks Learned Anything From the Financial Crisis?

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It is widely agreed that the real estate bubble and subsequent financial crisis was, at its root, a problem of banks making loans that couldn’t be paid back.
Banks flooded the market with easy money for commercial real estate, or CRE, and acquisition, development, and construction, or ADC, projects; those projects created a dramatic oversupply fueled by speculation; and then the house of cards fell apart in 2008.

Let’s dig into the data and see how they industry has corrected itself and then look at two specific banks that are still operating with ADC and CRE loans levels well in excess of regulatory guidelines.
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