Slow economic growth has reduced the demand for commercial banking loans, which accounts for nearly a third of all loans outstanding for Bank of America.
The banks have extended to local governments an estimated 14.38 trillion yuan, about a third of their outstanding loans at the end of 2010, but no one really knows the full extent of the exposure.
To put the numbers in context, Experian Automotive said 60-day-plus delinquencies accounted for only 0.74 percent of total outstanding auto loans in the fourth quarter of 2012.
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The Czech National Bank, the central bank, estimates that 28% of loans outstanding by the end of September were dubious, and that, of those, half are unrecoverable.
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This should roughly halve bad debt to 5% of outstanding loans by 2006.
He believes that the central bank's new credit guidelines, which include a limit on property lending to one-fifth of outstanding loans, would bring stability in the long run.
With repayments also up, the amount of loans outstanding actually contracted by half a percent in February.
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There are about a trillion dollars of student loans outstanding.
In plans that allow borrowing, about 21% of participants had outstanding loans in 2011, up from 18% in 2008, according to a December report from the Employee Benefit Research Institute.
Most of the increase in loans outstanding reflects more borrowing by those companies that always had strong credit quality.
Households now account for 37% of East Asian banks' total outstanding loans, up from 27% in 1997.
According to the Government Accountability Office, the SBA flagship loan program accounts for only a little more than 1% of total small-business loans outstanding.
At year-end 1999 the NPLs still accounted for more than 38% of Thailand's total domestic loans outstanding.
The existing law taxes these loans if they are outstanding at the end of the year.
Outstanding margin loans total a paltry 1.5% of the value of shares listed on the New York Stock Exchange.
Fees on these loans also can reach 33% of the outstanding balance if a student becomes seriously delinquent, according to Thomas Melecki, the director of the university's office of student financial services.
At the height of the Asian Crisis in 1998, its non-performing loans were reported to account for 4.5% of outstanding debt, lower than Singapore's 11.4%.
In June, outstanding loans amounted to only 11 billion yuan, giving banks a yuan loan-to-deposit ratio of just 2%.
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Delinquency rates on variable-interest-rate loans to subprime borrowers, which account for a bit less than 10 percent of all mortgages outstanding, have climbed sharply in recent months.
Discover managed to stay ahead of the market trend through prudent risk management and reported a 7% decline in average credit loans outstanding during the post financial crisis period.
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