Sdb 's small size means that making such changes should be just about manageable within three to five years , even if , as seems likely , the bank 's npl ratio turns out to be much higher than the declared 10 % .
The reform of banks has been carried out for more than two decades , and has brought some good effects at present , but it hasn 't essentially solved the problem of tremendous npl .
银行的改革进行了二十几年,虽然取得了阶段性的成果,但却没有从本质上解决银行的巨额不良资产问题。
The trouble for prophets of doom is that even though npls have risen at some banks , an even faster increase in the loan book means that the npl ratio remains low .
Only irish life & permanent has submitted its npl ratio for this survey , at 8.9 % , but anglo-irish has disclosed npls of almost 50 % in its 2010 annual report , and it sold further troubled assets to the national asset management agency at a 62 % haircut .
However , the situation is very unlikely to get as bad as in the 1990s , when the npl ratio reached 40-50 % after the government in effect ordered banks to lend to state-owned enterprises ( soes ) that were politically well-connected but commercially unviable .