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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Non-Performing Loan Loans that are in default or close to being in default.

不良贷款已经违约或接近违约的贷款。

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Badly performing loan: loan with poor prospects for future gains and a low rate of return.

履行不佳的贷款，不良贷款：指一项未来收益前景不好、回报率低的贷款。

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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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