The financial crisis has entered a growth phase after adapting to more stringent monetary policies and oil prices. Global economics have seen a significant increase in financing costs, primarily due to geopolitical tensions and oil prices. These conditions have made it difficult for banks, especially local ones, to manage their finances. In particular, financing costs have increased rapidly, while credit losses have intensified, making it difficult to maintain analytical forecasts.

The case of NAB, one of the largest Australian banks, is an example of this situation. It had to release a significant amount of reserves to protect against potential money losses, with a noticeable increase in credit losses. This led to a reduction in net interest margins, which has been aggravated by intense competition between local banks. At the other hand, Singapore is another example of difficulties for local banks. Asian banks have had to adapt to more stringent monetary policies and oil prices, which have made it difficult to manage their performances. NAB's response was to reduce its dependence on foreign capital, but this led to a decrease in its market capitalization performance. The leaders of Asian banks have warned that adapting to more stringent monetary policies and oil prices has not been easy, but it has led to an increase in their performance. However, these difficult economic conditions have led to a series of challenges, such as the need to strengthen their position in a financial crisis environment. Another important aspect is the trend towards centralizing finance. Leaders of Asian banks have noted that large-scale operators and data centers are consuming a large amount of capital, making it difficult to manage their performances. This has led to a series of leadership changes, such as the replacement of the president at DBS.

In conclusion, while Asian banks are facing a series of economic challenges, the conditions of financial crises are increasing. This has led to a series of changes in their business strategies, but also to an increase in their performance. However, these changes require great attention and determination to overcome them.