Recent Trends in Loan Growth and Quality Loans account for more than 60%of the total assets Real estate loans represent the largest single loan category for all banks.(US:61%,CN:10%) The relative importance of consumer loans has increased to 59%by 2004.(In China,10%) Contribution of consumption to GDP (US:69%;CN: 43%) Banks are their only lender Safer(more dispersed) 目 Loan volume and quality vary with the business cycle 爸封强的黄香+孝Recent Trends in Loan Recent Trends in Loan Growth and Quality Growth and Quality † Loans account for more than 60% of the tot al assets † Real estate loans represent the largest single loan category for all banks. (US: 61%, CN:10%) † The relative importance of consumer loans has increased to 59% by 2004. (In China, 10%) „ Contribution of consumption to GDP (US: 69%; CN: 43%) „ Banks are their only lender „ Safer (more dispersed) † Loan volume and quality vary with the business cycle