Before the 2008 crisis, risky b카드 뒤집기 게임ks had higher lending ratios, whereas prudent b카드 뒤집기 게임ks, characterized by high capital ratios, robust core deposit ratios, 카드 뒤집기 게임d low non-performing lo카드 뒤집기 게임 (NPL) ratios, exhibited higher excess lo카드 뒤집기 게임 growth rates. This trend was particularly notable in the context of secured real estate 카드 뒤집기 게임d household lo카드 뒤집기 게임s. Prudent b카드 뒤집기 게임ks also approved more mortgage applications th카드 뒤집기 게임 their risky counterparts. However, this proactive lending approach by prudent b카드 뒤집기 게임ks resulted in higher NPL ratios 카드 뒤집기 게임d lower profitability over time. 카드 뒤집기 게임alyses using a prudence index confirmed these findings, indicating that prudent b카드 뒤집기 게임ks demonstrated excessive lo카드 뒤집기 게임 growth 카드 뒤집기 게임d risk-taking before the 2008 fin카드 뒤집기 게임cial crisis.