keep loans on

USAGE SUMMARY

The phrase "keep loans on" is not correct and does not convey a clear meaning in written English.
It may be intended to refer to maintaining or continuing loans, but the phrasing is awkward and unclear. Example: "We need to keep loans on the books until the end of the fiscal year."

⚠ May contain grammatical issues

News & Media

Human-verified examples from authoritative sources

Exact Expressions

2 human-written examples

Lenders no longer needed to keep loans on their books, but could sell bundles of them to banks and investment funds at home or abroad.

The Economist

On June 21st his bank became a plaintiff in a legal challenge brought with two free-market entities in Washington, DC, the Competitive Enterprise Institute and the 60 Plus Association, arguing that Dodd-Frank is unconstitutional.Mr Purcell's business model, common among Texas rural banks, was to keep loans on its books, internalising both their returns and their risks.

The Economist

Human-verified similar examples from authoritative sources

Similar Expressions

55 human-written examples

The banks that kept loans on their books have been more ready to work out loans to keep people in their homes.

The New York Times

Fearing more bad news if banks were forced to disclose their real losses, Japan's leaders allowed banks to keep loans to "zombie" companies on their balance sheets.

The New York Times

In some cases, the bank will keep the loans on its books, while in others it collects a brokerage fee for selling them.

The New York Times

That is because the companies do not keep the loans on their own books, instead selling them to Fannie Mae or Freddie Mac.

The New York Times

As with residential loans, the bank did not keep these loans on its balance sheet but pooled them with other loans that were sold on Wall Street as commercial mortgage-backed securities.

The New York Times

The other half, per the New York Times, "JPMorgan has agreed to reduce interest rates on existing loans, offer new loans to low-income home buyers and keep those loans on its books.

The Guardian - Business

Interest rates rose there to protect hard-pressed central banks from losing more reserves and to keep foreign loans on the books.

Forbes

Al Hasawi also confirmed the Reds are working on a deal to keep on-loan defender keep Jack Hobbs at the club beyond the end of the season.

BBC

Lille want to keep on-loan Liverpool midfielder Joe Cole beyond his current season-long loan deal.

BBC

Expert writing Tips

Best practice

When discussing a bank's financial strategy, use more precise language like "maintain loans on their books" to clearly convey that the loans are held as assets.

Common error

Using the phrase "keep loans on" without specifying "the books" can lead to confusion. Ensure you provide enough context to clarify that you are referring to a financial record.

Linguistic Context

The phrase "keep loans on" functions as a verb phrase followed by a noun and a preposition, typically used in a financial context. However, Ludwig AI indicates that the phrasing is awkward and unclear, and it is often improved by adding "the books" to clarify the meaning.

Expression frequency: Uncommon

Frequent in

News & Media

100%

Science

0%

Formal & Business

0%

Less common in

Science

0%

News & Media

0%

Formal & Business

0%

Ludwig's WRAP-UP

The phrase "keep loans on" is used to describe the act of a financial institution retaining loans as assets. However, Ludwig AI reports that this phrasing is not correct and unclear. It is significantly improved by adding "the books" to the end of the phrase, as in "keep loans on the books". Grammatically, alternative phrases like "maintain loans", "hold loans", or "retain loans" are more standard and direct. The phrase is most commonly found in news and media contexts related to finance and economics. When using this phrase, clarity is key; ensure that the context makes it clear you are referring to a financial record or balance sheet.

More alternative expressions

Phrases that express similar concepts, ordered by semantic similarity:

keep loans on the books

Adds the specification of balance sheets, which gives further context.

maintain loans

Replaces "keep" with "maintain", which is a more standard and direct verb for managing something.

hold loans

Uses "hold" to suggest retaining possession of the loans.

retain loans

Similar to "hold", but implies keeping loans for a specific reason or strategy.

manage loans

Focuses on the active management of the loan portfolio.

service loans

Suggests the ongoing administration and processing of loans.

administer loans

Emphasizes the formal handling and oversight of loans.

carry loans

Indicates that the loans are being supported or financed.

continue lending

Shift from retaining existing loans to continuing with the act of lending

sustain lending

Implies supporting and maintaining the lending activities over a period.

FAQs

What does it mean to "keep loans on the books"?

To "keep loans on the books" means that a financial institution retains the loans as assets on its balance sheet, rather than selling them off to other investors.

What's a better way to say "keep loans on"?

Better alternatives include "maintain loans", "hold loans", or "retain loans", which are grammatically clearer and more precise.

Is "keep loans on balance sheet" the same as "securitize loans"?

No, they are opposite concepts. "Keep loans on balance sheet" means retaining the loans as assets. Securitizing loans involves packaging and selling them to investors, removing them from the balance sheet.

Why would a bank "keep loans on its books" instead of selling them?

A bank might "keep loans on its books" if they believe the loans are profitable, to maintain a relationship with the borrower, or because the loans don't meet the criteria for securitization.