What factors have caused the decrease in loan volume relative to other assets on the balance sheets of commercial banks? how has each of these factors been related to the change and development of the

What factors have caused the decrease in loan volume relative to other assets on the balance sheets of commercial banks? how has each of these factors been related to the change and development of the financial services industry during the 1990s and 2000s? what strategic changes have banks implemented to deal with changes in the financial services environment?