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Westpac's business banking division is undertaking a significant overhaul to address inefficiencies and improve profitability, as the bank seeks to capitalize on the growing demand for business loans. The financial institution is prioritizing business lending over home loans due to the higher net interest margins associated with commercial credit, which are more lucrative for earnings. According to the article, business lending has been expanding at an annual rate of 10.9 per cent, outpacing the 7.3 per cent growth rate in home lending, which has been affected by four interest rate hikes and changes to negative gearing and capital gains tax policies. The shift in focus comes as home loan growth slows, creating a strategic opportunity for Westpac to strengthen its business banking segment. The bank's management is reportedly working to 'clean up' its business banking operations, which cater to small, medium, and large enterprises, to better align with market trends and enhance overall performance. Industry analysts note that banks across the board are increasingly targeting business loans as a key growth area, given their superior profitability compared to residential mortgages. This trend is expected to continue as the banking sector adapts to evolving economic conditions and regulatory changes. Westpac's strategic pivot reflects broader industry dynamics where business banking is becoming a critical revenue driver, particularly in a market where home lending growth has plateaued. The bank's efforts to optimize its business banking division are part of a larger strategy to maintain competitiveness and meet the changing needs of its corporate clients. With the financial landscape shifting towards higher-margin business lending, Westpac's focus on this segment is likely to shape its future performance and market positioning.

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The State Bank of Vietnam said on August 26 that 12 commercial banks had registered or announced their participation in the credit programme.

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Expect APRs of 8–20% in 2026; prepare three years of financials and approach 3–5 lenders now (Yahoo Finance, Mar 29, 2026). SBA 7(a) loans cap at $5M.