在贷款需求呆滞、利率下调和个人破产个案急升的情况下，银行盈利深受负面影响，边际利润持续受压。

The pressure on margins did not subside, and profitability was adversely affected by sluggish loan demand, falling interest rates and the sharp rise in the number of personal bankruptcies.

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4特定分类贷款指列为次级呆滞或亏损类别的贷款。

4 classified loans are those graded as "substandard", "doubtful" or "loss".

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4特定分类贷款指列为次级呆滞或亏损类别的贷款。

4 classified loans are those graded as "substandard", "doubtful" or "loss".

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