11.   While a third school argues that the bank still prefers working with bureaucratic and often corrupt governments, rather than directly helping individuals in the private sector.

12.   Although Thai banks prefer financial investors who are willing to invest in banks without management participation, they may have to choose strategic investors instead.

13.   As a result, banks prefer to hold the BOT bonds, which are risk free and offer attractive returns, rather than lending out their money.

14.   Banks have preferred to issue FIDF with loans because of the high short-term interest rates offered at relatively low risk.

15.   Banks usually prefer to keep long dollar positions ahead of weekends or holidays in the Philippines and in major markets overseas.

16.   Major banks prefer to lend to the Financial Institutions Development Fund via the repurchase market since they enjoy high return with very low risk.

17.   Many smaller companies encounter difficulties in getting financing as banks prefer to extend loans to big corporations.

18.   Ortiz-Luis said banks also preferred to lend in peso instead of dollar terms.

19.   Thai banks now apparently prefer to lend to the central bank through the repurchase market since it offers high interest rates.

20.   Some banks may prefer to transfer such risks to otherparties willing to accept them.