This has been working in HGH's favour for sometime now.HGH getting out of large "business relationship" lending, and replacing them with a lot of smaller loans.This works two ways for HGH,reduces risks, and increases margins.HGH "Open 4 business" is growing very fast too.
HGH always avoid going into the big banks' sectors.We have seen them reduce large rural mortgages lending,and recycling the funds into shorter term, and more profitable livestock lending.