As well as, we know, as a real estate developer, [Donald Trump] has hundreds of millions of dollars in debt, in loans.
We've been in the business of regional banking, and we understand what it is to make loans, and that's the engine of growth to small and medium sized business.
Our focus is more on secured retail business like housing and car loans. While we will do some unsecured loans - credit cards and personal loans - we will do it primarily with existing customers.
Banks need to continue to lend to creditworthy borrowers to earn a profit and remain strong.
The S.B.A. does not lend directly to businesses, but instead backs loans to encourage banks to invest in small businesses as part of a nearly $90 billion portfolio.
If I'm a bank, and I'm making risky loans, I have an incentive, if I can, to make those loans using other people's money: in other words, to make highly leveraged loans.
It is the quality of lending over the quantity of lending.
If you are in banking and lending, surprise outcomes are likely to be negative for you.
You can't grow unless your banking system is expanding and you are extending credit.
One of the risks for anybody in the lending business is that being conservative can harm your competitiveness.
Our approach on lending has always been that we will lend to India-linked assets, because that's the risk that we understand, and that is the business that has been doing very well.
If a lending institution is faced with bids for a package of toxic assets that are less than the carrying value of those assets, the sale of those assets would trigger a further loss and reduce the underlying capital of the institution.
The growth that we are targeting for our bank is in line with the banking industry.
