Strengthening the relationship with the customer, from which the Bank may expand the operation of other services to individual clients as increased ability to mobilize deposits, payment services, counseling ... This is the effective marketing channel for banking, increased ability to compete to win market share on its financial markets.
Facilitating the diversification of business activities, thereby enhancing profitability and dispersion of risks the Bank. Personal loans but there are small scale but the number again is large, so the total scale of funding are also great. At the same time, the interest rates applicable to individual customers are usually higher than those for enterprise customers to offset the cost of lending for personal loans should contribute a share of profits in the total profits of the Bank.
especially for small banks or start-up, the competition with the big banks, in the large corporate clients (typically the customer needs large capital to serve the business and production) is very difficult, or when there were bank customers but then the capital of the Bank was in no position to respond to lenders. Therefore, the array of personal credit will be the array of potential business for the Bank.
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