Provision coverage

When it comes to the operating performance, the banks behave generally well& the bad loan ratio reduces year by year and the provision coverage ratio goes up step by step.

经营绩效方面，各家普遍表现良好，不良贷款率逐年下降，拨备覆盖率逐年提高。

In judicial practice, this provision coverage face relatively narrow, violating the administration activity the scope is steal, cheat, or rob, extortion, etc, the punishment scope is narrow small, cannot reflect the real intention.

在司法实践中，此条文覆盖范围面相对狭小，违反治安管理活动的范围仅限于盗窃、诈骗、抢夺、敲诈勒索等行为，处罚范围窄小，不能体现立法者的真正本意。

" I expect the interest spread to rise steadily for the second half, and there is not much pressure for the bank to further lift its provision coverage for bad loans this year," he said.

我希望利率将会在下半年趋于稳定，并且今年银行将不会有太多的呆账坏账。

At Wells Fargo, managers have dreamt up a new ratio to track alongside such banking stalwarts as provision coverage and capital adequacy.

富国银行（Wells Fargo）的管理者想出了一个新的比率，用来与拨备覆盖率和资本充足率等银行业使用的可靠比率一起追踪银行的状况。

Meanwhile, the profit of state-owned commercial banks increased substantially, the non-performing loan ratio continued to decline, provision coverage increased substantially and management ability enhanced a lot in recent years. Objectively, our state-owned commercial banks have the strength of internationalization.

同时，近几年来国有商业银行的利润大幅上升、不良贷款率持续下降、拨备覆盖率不断上升，经营能力不断增强，客观上也具备跨国经营的实力。

Caixabank almost doubled provision coverage of bad property loans to 62 per cent.

caixabank将不良房地产贷款的拨备覆盖率几乎翻了一番，增至62%。