Recent Trends in Loan Growth and Quality Loans account for more than 60%of the total assets Real estate loans represent the largest single loan category for all banks.(US:61%,CN:10%) The relative importance of consumer loans has increased to 59%by 2004.(In China,10%) Contribution of consumption to GDP (US:69%;CN: 43%) Banks are their only lender Safer(more dispersed) 目 Loan volume and quality vary with the business cycle 爸封强的黄香+孝
Recent Trends in Loan Recent Trends in Loan Growth and Quality Growth and Quality Loans account for more than 60% of the tot al assets Real estate loans represent the largest single loan category for all banks. (US: 61%, CN:10%) The relative importance of consumer loans has increased to 59% by 2004. (In China, 10%) Contribution of consumption to GDP (US: 69%; CN: 43%) Banks are their only lender Safer (more dispersed) Loan volume and quality vary with the business cycle
Trends in Competition of Loan Business Banks face tremendous competition for loan business not only from other banks, but also from non-bank sources. The widespread use of credit scoring by lenders and the securitization of consumer and small business loans puts additional pressure on interest rates. The internet has also led to smaller spreads for the more standardized loan products (e.g.,ALM,automated loan machines). Banks of different size follow different strategies. 碰制卧价贸易大孝
Trends in Competition of Trends in Competition of Loan Business Loan Business Banks face tremendous competition for loan business not only from other banks, but also from non-bank sources. The widespread use of credit scoring by lenders and the securitization of consumer and small business loans puts additional pressure on interest rates. The internet has also led to smaller spreads for the more standardized loan products (e.g., ALM, automated loan machines). Banks of different size follow different strategies
Business development Marketing bank services to existing and potential customers. Get new customers Retain current customers and cross-sell 的贫事大手
Business development Business development Marketing bank services to existing and potential customers. Get new customers Retain current customers and cross-sell