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Indian Banks have lowish levels of non-performing loans but have built up relatively small reserves against them.

印度的银行的不良贷款水平相当低，但对这些贷款的储备金相对较少。

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Emerging-market banks are of the old school, with branches, profits, lowish pay and high capital.

ECONOMIST: Banks in emerging markets

It has lowish public debt but some fear it cannot afford to bail out its crippled savings banks.

ECONOMIST: European banks

This makes it virtually impossible for those on lowish incomes to plan ahead.

ECONOMIST: Gordon says saving is good for you