Core Viewpoint - Banks anticipate an increase in demand for business loans across all categories this year, driven by expectations of lower interest rates and higher spending or investment needs [1] Group 1: Demand for Business Loans - A Federal Reserve survey indicates that banks expect stronger demand for business loans in 2023 [1] - The anticipated trend is attributed to expectations of lower interest rates [1] - Higher spending or investment needs are also expected to contribute to the increased demand for loans [1]