With the yield curve as steep as ever, this bank's gross profit on lending will expand.
Free from Rome's oversight, competition in banking opened up simply by removing the proscription on lending.
The government has also imposed a clutch of new taxes on lending and stricter reserve requirements.
The government continues to set a ceiling on deposit rates and a floor on lending rates.
But small and mid-sized banks still rely heavily on lending to companies for their income.
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Mr Osborne argued that state guarantees on lending were meant to help stabilise the system, not reward bankers.
Despite administrative ceilings imposed in March on lending for property development or purchases of shares, credit keeps climbing.
This niche has been ignored by big banks, which have been increasingly concentrating on lending to larger companies.
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This indicates that consumers continue to pay off their credit card debt as issuers keep tight limits on lending.
Aaron Taylor of Gogamingo said business owners needed to see action on lending.
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Despite restrictions on lending and higher taxes for selling a home, demand for housing in China has no end.
It will probably urge a ring-fencing of banks' retail operations from their investment arms, with limits on lending between them.
On the face, its business model is similar to Grameen's, operating in Bangladesh, which focuses on lending to poor women.
And, artificially protected by the controls, banks would no doubt have carried on lending, including to the overbuilt property sector.
And whereas some investment banks in effect stopped extending credit to clients during the market crisis, Chase kept on lending.
But they have also pushed for banks to focus on lending to the real economy, especially small businesses and business start-ups.
Now that might, in theory reduce mortgage rates, but the scope for making any margin on lending has been reduced again.
That only reinforces the banks' unhealthy ties to the government and hampers their ability to make independent commercial decisions on lending.
These rules are designed to make banks safer, more accountable, and to ensure they focus on lending to the real economy.
China's Shanghai Composite Index lost 22% in 2011 as tighter government curbs on lending and investment cooled the country's rapid economic growth.
The most recent Fed data on lending shows it is going up, but there is a debate about how voluntary that lending is.
To offset those losses, banks are shoring up balance sheets by cutting back on lending and dumping bonds and other assets in the markets.
It is financial protectionism, as banks are forced by their governments to focus on lending at home and to cut back on cross-border flows.
It enables banks to offload credit risk, provides transparency on lending conditions and may even smooth the ups and downs of the credit cycle.
Mr O'Neill attacks the Bank on another flank when he complains about its insistence on lending money, rather than giving it, to these countries.
As banks eased on lending standards buyers flooded into the market.
Adopting Basel II requirements early is proving to be an uncompetitive move as pricing on lending is being forced up, and return for savers forced down.
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Iceland is getting closer to becoming the first nation to go bankrupt as a result of the subprime mortgage crisis and resulting squeeze on lending.
It cannot relax its grip on lending and deposit rates and it cannot direct the banks to begin another round of lending to restart faltering growth.
Banks will have to meet the new rules by either issuing new shares, cutting back on dividends, or cutting back on lending and making less risky investments.
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