S. Kyoritsu Securities, and he intends to take the same client-oriented approach: higher returns, more disclosure and greater customer participation.

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So the more growth-oriented client may be invested more heavily in dividend-oriented equities, whereas our more conservative clients may have a mix of bonds in their portfolio, including possibly emerging market bonds, corporate bonds and a variety of different bond instruments where we see value.

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The difference in lending may be due in part to the fact that bigger banks tend to have a client base that itself is bigger, more credit worthy and more export oriented.

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Sobczak suggests that you set action-oriented goals before you ever pick up the phone to call the prospective client.

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