Article: Who are the most effective lenders? US banks show the most efficiency in their lending business; German and Japanese banks are far behind, according to The Banker's new lending efficiency index. (Lending Efficiency).

How good are banks at lending? As everyone knows, it is easy to lend; giving money away requires no skill at all. The trick for a bank is to get the money back with an acceptable margin that allows it to stay in business and create the potential for expansion. Many banks across the globe have concentrated on building their balance sheets and loan books, and in many cases have not paid a great deal of attention to lending margins and their level of non-performing loans (NPLs).

In difficult economic times, low net interest margins combined with upward pressure on banks' NPL ratios can prove to be crippling. How well are the world's Top 100 banks doing in managing ...

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