Santander had a non-performing loan ratio of 3.37%, up from 2.82%.

桑坦德银行的不良贷款率从2.82%提高到3.37%。

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Banks have an average loan-to-deposit ratio of only 67%, low by international standards, and less than 5% of Banks' loans are non-performing, down from 40% in 1998.

银行的平均贷存比例只有67%，低于国际标准，同时银行的坏账率从1998年时的40%下降到现在的5%。

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Banks have an average loan-to-deposit ratio of only 67%, low by international standards, and less than 5% of Banks' loans are non-performing, down from 40% in 1998.

银行的平均贷存比例只有67%，低于国际标准，同时银行的坏账率从1998年时的40%下降到现在的5%。

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