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The Relationship Approach to Retail Loan Growth

Increasingly it has become clear that the current economic recovery promises to be a drawn out affair. For the next few years, it is likely that most consumer loan categories will grow only modestly from current recession-battered levels. The tepid recovery presents a critical challenge for retail banks, in that there may not be enough loan demand — particularly among customers with acceptable credit risk profiles — to support the overall industry distribution and sales ...

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