Shopping mall loans are generally profitable for banks. This is because shopping mall loans are usually large loans, and banks can obtain relatively high interest income by providing funds to shopping malls to support their operating activities. In addition, shopping mall loans are usually long-term loans, from which banks can obtain longer-term stable interest income.

In addition to interest income, banks can also obtain other income from shopping mall loans. For example, in order to obtain a loan, a shopping mall usually needs to provide collateral or guarantee and pay a certain handling fee. In addition, banks may also cooperate with shopping malls to develop other businesses, such as shopping mall settlement accounts, credit cards, etc., thereby increasing their sources of income.

However, shopping mall loans also have certain risks. Shopping mall operations may face uncertain factors such as market competition and economic fluctuations, which may lead to the inability of shopping malls to repay their loans normally. For banks, there is a certain risk in whether the loan principal and interest can be recovered in full and in a timely manner. Banks will assess and control these risks through strict risk management measures, such as conducting risk ratings and requiring shopping malls to provide adequate guarantees or mortgages.

Generally speaking, large shopping mall loans are a profitable business for banks, but they also require banks to have certain risk management capabilities to ensure that risks are controllable.