Moody’s, a ratings agency, has estimated banks’ total loan charge-offs between 2008 and 2011 at $744 billion, of which $476 billion has already been recognised in their accounts.

评级机构穆迪（Moody’s）估计，2008年到2011年将一共会有7440亿美元的不良贷款会被冲销掉，而其中已经有4760亿美元在银行的账目上体现了出来。

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Citigroup's Horowitz forecast loan loss provisions and net charge-offs of bad debt at Bank of America will stay flat or improve modestly from the first quarter.

花旗集团分析师霍诺·维茨预测，美洲银行的贷款损失准备金和坏债净销帐将和上一季度持平，或有所改善。

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He gave even more optimistic estimates for J.P. Morgan, with loan loss provisions falling 8% and net charge-offs down 3%.

他对摩根大通的预测更为乐观，预计贷款损失准备金将减少8%，净销帐减少3%。

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Consumers' card balances these days are high, and another economic downturn would presumably spell another round of loan charge-offs.

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And its coverage ratio for non-earning loans the ratio of earnings to loan charge-offs was negative in 2009, compared with 1.53 times earnings at banks.

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