I think shipping companies ordtak

I think shipping companies are no longer facing difficulties in seeking loans since banks have accepted their vessels as collateral. I think it will take some time for banks to study the shipping business (before lending the money).

Transportation Minister Hatta Radjasa

Local banks still don't understand the shipping business well, and its huge potency, despite the fact that they have ratified the mortgage regulation that allows vessels to be used as collateral (for loans).

The government should seek a breakthrough effort for providing soft loans in order to help accelerate the development of the shipping industry at home. It is not only for shipping lines but also for shipyard companies.

Many of our banks have lent money to Brazil, and some of those loans may not look so good today after the devaluation as they did before. so banks will be hurt, or some banks will be hurt and the stockholders in those banks will be hurt.

Let the banks do disaster lending directly. They're in the business of making loans.

A lot of people need big banks for the convenience. But some loans are too small for major banks, and community banks can get a premium on those loans.

Someone must sell at the nadir of the cycle, and it might as well be the government. However, government agencies responsible for resolving the financial crisis are not forcing banks to act, with the result that banks are mainly reserving against bad loans and not disposing of the underlying collateral.

Only adjusting the lending rate alone increases the banks' lending margin. Everything else being equal, it enhances banks incentive to lend.

Companies look at the overall level of support they get from their banks, and in return they tend to steer more business to those banks they're closest to. We don't cover every client, but of the ones that we do, we strive to be one of their top relationship banks. That strategy often results in improved league-table performance.

We have today clearer rules that give banks a better guarantee of returns on their loans. Mortgages again started to be a very important business for banks.

Marcio Cypriano

The large German banks now seem to be more interested in competing with Anglo-Saxon banks in international markets than in nurturing their long-standing domestic lending business.

Banks tend to shy away from smaller loans, startups, certain 'riskier' industries, or less than perfect credit scores. A brand-new business, running for a month, few banks want to take that on.

(The banks) are always all trying to increase loans; they have to make higher goals. We are always out there trying to get banks to do more loans and reach new populations.

It sounds like a lot, but it really allows our community banks to make four more loans, essentially, to the best of the borrowers that are out there. Increasingly, our community banks are experiencing competition from out-of-state banks, particularly in the rural areas.

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