His problem is that the so-called "net interest margin" is not in their favour.
What really matters is whether the interest margin properly reflects the risk of default.
An important measure of a bank's overall lending profitability, the net interest margin, has eroded.
Indonesian banks, for example, boast a 5% net interest margin and Indian banks 3.45%.
One exception is Citigroup, which could see its interest margin squeezed.
In the most recent quarter, that interest margin slipped to 3.83percentt, from 3.96percentt.
In the fourth quarter, Wells Fargo's net interest margin dropped slightly to 3.56 percent, from 3.89 percent a year earlier.
An average net interest margin of 2.36% looks decent compared with the 1.5-2.5 1.5-2.5eloped markets.
PTSB's net interest margin was unchanged at 1.77percentnt from the first half of this year.
Specifically, the volatility of net interest margin, the volatility of earnings, and Z score show less risk-taking behavior.
That is because 80percentt of their revenues come from lending money, and their interest margin on loans widened during the year as interest rates declined.
