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Optimising Distressed Loan Books: Practical solutions for dealing with non-performing loans by John Michael Sheehan

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3. Structure solutions

3.1 Response to crisis

Brand building

Capital efficiency and good customer service has been the key to success in the traditional brand-building banking model. Brand building is dynamic and best achieved by strictly adhering to processes and procedures carefully gauged from sensible risk and business formulae. A strong brand, benefiting from high loan growth, in favourable market conditions, creates the right foundations for a peak bank growth expansion rate. This method of operation works best in positive market conditions, where borrowers are comfortable borrowing more and more money to purchase assets that they believe will have a higher value tomorrow.

Since the 1990s, there has been a fundamental shift in ...

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