Overall, the wholesale loan book grew at a compound annual rate of 18 per cent in the past five years, close to the level where analysts begin to worry. There has also been an increased focus on lending on an unsecured basis, just as HSBC has signalled a shift towards safer, secured credit.
总体而言,过去5年,批发贷款复合年增长率为18%,接近分析师开始担心的水平。此外,渣打无担保贷款的比例在增加,而汇丰刚刚表示将转向更安全的有担保贷款。
“They always want to make their clients dependent on them by taking a disproportionate share of their business, says the head of another foreign bank in Mumbai. “Now, a large part of their business is with the most highly stressed companies here. They are potentially facing serious damage to their franchise.
“他们总是希望通过取得过高的业务份额,让他们的客户依赖他们,另外一家外国银行驻孟买的主管表示,“如今,这里处于最大压力之下的企业占据他们的很大一部分业务。他们的业务面临严重的潜在损失。
Analysts at Barclays recently highlighted concern over StanChart’s bad debt trends, evident in a 42 per cent increase in loan impairments in the first half of the year, compared with pre-tax profit growth of only 9 per cent. “A sharp pick-up in non-performing loans and impairments in the first half of 2012, along with concerns about the economic outlook for Asia, have sparked concerns about credit quality in StanChart’s wholesale division, the analysts wrote. “NPL formation is the fastest since 2002.
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