Santander had a non-performing loan ratio of 3.37%, up from 2.82%.

桑坦德银行的不良贷款率从2.82%提高到3.37%。

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Third, establishes the special bad assets recovery department to concentrate the cleaning up handling non-performing loan.

第三，成立专门的不良资产清收部门集中清理处置不良贷款。

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To settle debts with assets is an important means to make bad assets living, but the risk from non-performing loan will probably shift to mortgaged assets.

以资抵债是盘活不良贷款的重要手段，但不良贷款所产生的风险同时也可能随之转移到了抵债资产上。

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Presumably, the official non-performing loan ratio for Q1, when it is finally released, will exceed the 0.95% year-end 2012 figure.

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"The bank's capacity to generate profit enables us to set aside hefty real estate provisions in Spain in 2012 and significantly increase non-performing loan coverage, " Santander chairman Emilio Botin said.

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We began to see non-performing loan formation slow down.

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