Banks more cautious with home loans
Many banks have so far not only closed their doors to real estate development borrowers but also restricted loans to home buyers.
Commercial banks raise deposit interest rates, enterprises face difficulties
Deposit interest rates have just been simultaneously raised by commercial banks and are expected to increase further to prepare cash flows in the context that the whole country has returned to a new normal state, and production and business activities have been restored.
Bank profits still mainly depend on lending
Profits of commercial banks, including large-sized entities, continue to depend mainly on lending, making it difficult to achieve sustained growth.