Deposits at the medium-sized banks covered by Merrill Lynch have risen by 14% in the past year.
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Though safe for now, regulators have also expressed concern for the commercial real estate mortgage market, a brisk business for many medium-sized banks.
Meanwhile, the more than 7, 000 small and medium-size banks were left hanging in the breeze, and two years after the crisis ended are still going under at a faster pace than during the crisis.
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That judgment is too kind to the ECB, which could afford to have scruples about the medium term because other central banks were taking more care of the present.
The latest ECB survey of lending conditions, carried out AFTER that medium-term cash for banks, suggested that banks are now even less keen to lend to European companies than they were a few months ago.
Which is the short explanation for why many small and medium size businesses complain that banks are letting them down - and why it has become such an important economic and political issue to stimulate lending to a sector so central to the capacity for recovery of the UK economy.
In recent weeks, Lutnick has extolled virtues of banks increasing their lending to medium size enterprises in the hope recovery can select another gear.
Although it should still, in theory, be profitable for banks to lend to small and medium-sized companies, they seem unwilling to do so.
Fiserv Inc. a leading financial technology services provider, pools the information assets from a base of more than 2, 000 banks to enable its small and medium sized bank clients to build more effective retention, growth and cross-sell strategies.
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"Small and medium sized enterprises have become the first victim of banks tightening the noose on the flow of funds, " says Secretary General Anil Bhardwaj.
The President wants to have a discussion with the bankers here about ways in which we can all work together, as he did with the bigger banks, to spur lending to small and medium-sized businesses.
The challenge now is for the banks to take more risk in their lending to medium-size companies.
The Dow Jones Industrial Average (DJIA) barely budged during the decade, so initial public offerings were scarce and small and medium-sized companies only had access to loans from commercial banks and a handful of insurance companies.
"It is important we support medium-size companies, together with programs from national development banks, so they can access credit and be suppliers to Pemex, and make sure over the next few years that we develop a strong oil-servicing industry in Mexico that can grow and be regionally competitive, " he said.
"It is important we support medium-size companies, together with programs from national development banks, so they can access credit and be suppliers to Pemex, and make sure over the next few years that we develop a strong oil-servicing industry in Mexico that can grow and be regionally competitive, " he said, speaking in English.
Small and medium-sized firms in all sorts of industries are griping about banks' unwillingness to lend.
We want to figure out ways in which the environment for lending to these small and medium-sized businesses, where that can be conducive for these banks.
But after graduating from the Schulich School of Business at York University in Canada, Mr Fekete moved to London and set up MaxBips, a website where small- and medium-size enterprises (SMEs) auction their surplus cash to banks.
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Regional Landesbanks provide vital financing and support to small and medium-sized enterprises which would otherwise not have access to funding from national banks.
The competition authorities would have qualms if Barclays wanted to merge with National Westminster, since the two banks dominate the market in lending to Britain's small and medium-sized companies.
And we are constantly looking for more ways that we can push the banks and the credit markets to get money into the hands of small and medium-sized businesses who create the majority of jobs.
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Beneath them is a mass of small and medium-sized firms that collectively employ around half of American workers and are heavily reliant on banks.
In Britain, banks still face high borrowing costs and remain nervous about lending more to small and medium-sized enterprises: a new credit-easing programme about to be introduced by the BoE and the Treasury is long overdue.
Although thousands of small banks remain in America, relatively few have the bulk to enhance the franchise of a medium-sized player.
The interbank association is responsible for approving medium-term notes and bills sold by companies, and most of those securities are held by banks.
Alternative lending is popular in China because state-owned banks tend to favour large companies, particularly state-owned enterprises, leaving small and medium-sized companies starved of credit.
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With commercial banks gradually pulling their interbank and short-term credit lines from Soviet institutions and completely cutting off medium-term lending, the Kremlin's authorities are tempted, if not compelled, to take on higher pay-off banking transactions internationally.
Banks are also under increased government pressure to lend more to support growth and increase lending to small and medium-size businesses, which could further crimp profitability if bad loans start rising.
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