All I can say is that the banks are the backbone of any economy and with lessons learnt from the past the bad debt concerns will be eleviated.
The are smart, very smart in fact managing and reinvesting a HUGE proportion of their profits. Thats one thing people have failed to allude to. The huge and gargantuan retained earnings that have been growing increasingly largely each year. With banks superior risk management techniques, a solid property market and increasing volumes of business investment being written banks ha ve nothing to fear.
