A new start for the banking market: though not much has beenleft from Ordinance 50 on old retail loans, the kind of abuseagainst clients registered so far will no longer be possible. Thepossibility of loan refinancing will tighten competition amongbanks, and clients will be able to shun too high costs.
After two years in a row when the state has been banks' mainclient for lending, and private funding has focused on the segmentof large corporations, 2011 will drive bankers to finding ways ofboosting balance sheets thinned out by the crisis.
Banks whose image has not been tarnished by the scandal of abusivecosts uncovered by Ordinance 50 will be able to profit byattracting disgruntled clients from peers, expanding their marketshare.
New loan growth outlooks are still limited, with analysts expectingthe total amount to rise by less than 10%, with corporate lendingstill as the engine.
Managing bad loan portfolios will still be a challenge for bankers,who could finally see the volume of overdue payments peter out,depending on the trend of the economy.
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