Some trust companies have also warned in their earnings reports that government efforts to curb lending to the property sector and to local-government developments two key areas of trust lending present challenges to further growth.

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Sharga chalks up the increase in strategic defaults (or at least the willingness to consider them) to two major factors: a new type of unemployed homeowner and a lack of trust in lending institutions.

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And, because many of the investment-trust companies are bound by cross-shareholdings to the chaebol, their lending and investment decisions are suspect.

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All that mis-selling and all that reckless lending in the boom years that hobbled the economy seems to have so undermined the trust and respect of banks' customers that few seem to think twice before putting in a flimsy demand for compensation.

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The Retail Banking segment provides deposit, lending, brokerage, trust, investment management, and cash management services to consumer and small business customers within its primary geographic markets.

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In its SEC filing, Capital Trust said the "retrenchment" of the banks and their relatively conservative lending practices today "have created a large scale opportunity" to make commercial-real-estate loans.

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The Company's products and services include residential lending, commercial real estate lending, personal lending, private business banking, deposit services, trust services, brokerage services and investment management services.

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