Through the above table shows the credit activities of SCB branch Hormone has markedly increased over the years, especially in 2014 rising to 62139% compared to the year 2013. 2014 outstanding consumer loans has increased substantially, raise the proportion of outstanding loans. This is an encouraging result suggests the Bank has started implementation of the development works in the retail bank model. However, the proportion of the consumption of residual debt not only about new high (29%), not yet mined was strong on the consumer lending market in the area of consumer lending activities.Besides, the growth of consumer lending has not corresponding to credit growth. 2014, specific growth rate is 62.139% loan, meanwhile, sales of consumer loans only increase 52366% compared to the year 2013. The figure above shows the SCB Hormones are still continue extending loans to traditional products such as large business loans, export-import loans and investment in production. Even so, the balance is shifting gradually towards the positive, gradually increasing the proportion of consumer loans and actively expand the client objects.
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