Analysts said that the decline in provisions for bad loans was smaller than those of some of Barclays rivalss.
Bad-debt reserves relative to the size of total loans are smaller, especially compared with Western firms that have taken massive hits in anticipation of losses.
RBS has, in the past, also been involved in financing companies involved in the two other CCS bids, though these loans were smaller.
Participants are less likely to use loans in plans that charge a higher interest rate, and loans are smaller when plans allow fewer simultaneously outstanding loans, impose a shorter maximum possible loan duration, or charge a lower interest rate.
Payday loans are small, short-term loans designed to tide the borrower over until their next pay cheque.
The loans are small, typically $5,000 to $7,000, with terms of 18 months to two years and interest rates that vary regionally.
Cui Zhiyuan of Tsinghua University, a former adviser to the Chongqing government, says the mortgage loans are small and farmers "extremely cautious" borrowers.
While there is a possibility that occasionally a big company will have a loan with a balance of less than $1 million, we think it's a fair assumption that the vast majority of these loans are small-business loans and that it's the best indicator available.
Payday loans are small, short-term unsecured loans designed to tide people over until they get their salary.
By contrast, at the four banks with over $1 trillion in assets, only 10percentt of these loans are small.
