1月8日首次来到上海时，古朗然以一组数据说明自己与花旗银行“不相上下”：其不良资产（Non-PerformanceLoan）率常年保持在1％左右，2002年12月31日结束时更是只有0.8%，而花旗银行的不良资产率为2.1%。
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五三银行公布说它自2007年第四季度以来首度赢利，其不良资产也比第一季度下降了8%。
Fifth Third reported its first profit since the fourth quarter of 2007 as nonperforming loans fell by 8% from the first quarter.
同时这些银行还没有消化好其不良资产，大部分都是给在土地上建房的开发商的贷款，这些资产几乎没有什么价值或者成为了这个国家70万空住房的一部分而已。
And they have yet to digest their toxic assets, mostly loans to developers to build on land that is almost worthless or occupied by some of the country's 700,000 empty homes.
同一些对手不同，比如说雷曼总裁迪克福尔德，塞恩似乎早就准备好了吃子弹，大幅折价出售不良资产以减少其持有的不良资产额。
In contrast to some rivals, such as Lehman’s Dick Fuld, he seemed prepared to bite the bullet, selling toxic assets at a steep discount and marking down those he kept.
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