Some banks have in the past year experience their most turbulent time in business.

While some were unfortunate to even face folding up or merge with others to survive, many relied on government bailout.

But the fact remains that even in survival they reel in pain.

Bad debts accumulated and had to be written off, leaving a high volume of unbalanced sheets.

Well, some have learned a new strategy for survival and that is to avoid higher risk loans as much as they can.