Now ICBC’s bad loan ratio has been reduced to 2.2 percent.

现在工行的不良贷款率已经降到了2.2%。

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It also reduced the bank's official bad loan ratio from 11.4 per cent when it bought in to about 0.6 per cent by the end of last year.

它还将该行的官方不良贷款比例，从买入时的11.4%，降至去年底的约0.6%。

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In addition, the loan reviewer needs to have even more detailed customer data, like transaction history and customer credit information, in order to reduce the company's bad loan ratio.

此外，贷款复核人员需要更为详细的客户资料，如事务历史和客户信用信息，以降低公司的坏帐率。

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Japan's Financial Services Agency said in May the bad loan ratio at the country's 11 biggest banks had fallen from 5.18% a year ago to just 2.93% today.

BBC: Analysis

After all, even after the relief provided by the first batch, the banks' bad-loan ratio still stands at 22%, according to Guonan Ma and Ben Fung in a recent paper for the Bank for International Settlements.

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