我的朋友借少的几十万，多的几亿，通常银行都不会有问题，一批就过。不批的通常都是我的朋友本身帐不够美或过多借贷或项目有问题。
你的朋友如果是真的不qualified 可是银行还是批，我们作为股东的知道了肯定不会赞成（可是轮不到我们决定）。你朋友如果一切美美银行应有的态度应该是普红地毯恭迎还来不及吧？

"人家过去 Maybank 还不是一样批 ，这代表什么 ？"
PBB: "As at end-December 2023, the bank's gross impaired loans ratio was stable at 0.59%, while it maintained a loan loss coverage ratio of 181.8%."
MBB: "Gross impaired loans ratio improved by 23 bps to 1.34% from 1.57% year earlier while loan loss coverage remained strong at 124.9% from 131.2% in 2022."
In short: PBB is better than MBB in terms or bad debt.