Small banks are becoming increasingly worried about risk and potential loan default during an uncertain economy.
Although banks have recently become more willing to lend, their rules are new.
Almost all Korean banks have become profitable the last two years.
Gradually, however, banks are becoming aware of the critical role churches play in poor neighborhoods.
That bank when built in 1908 became the ladies 3rd tee box.
Our bank" - the old man spoke proudly as he remembered days gone by - "became powerful throughout the county.
"It's not at all surprising that when there are fears about the economy, the banks become cautious."
Corporations and banks have become so powerful nothing seems to stand in their way.
How can we measure if banks are becoming better citizens?
He said banks were becoming "more efficient with less people."