Changes brought last year to lending laws have left behind muchmore careful, alert and demanding clients and we will no longer seeanybody feeling captive in the relationship with a bank or notmoving rapidly to rival banks if dissatisfied with services, saysMaria Cristina Matei, deputy general manager for retail with INGBank Romania.
Despite tightening competition amid the new market conditions,the head of ING retail does not believe there will be a significantnarrowing down of margins for mortgages. "I do not think there ismuch room for narrowing for the other types of loans, either. 2011is another year when the cost of bad loans is playing a majorrole".
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