接受国家基金的储蓄银行正在关闭其10 - 30%的分支机构，因为这些机构在短期内处于亏损。

Savings Banks receiving state funds are closing 10-30% of their branches, which will cost money in the short run.

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其中最有竞争力的是国家退休基金储蓄银行（下文称BTPN），它被私募公司德克萨斯太平洋集团收购，之后于2008年进入小额信贷市场。

Among the keenest of them is Bank Tabungan Pensiunan Nasional (BTPN), which entered the market in 2008 after a buy-out by Texas Pacific Group, a private-equity firm.

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该银行发现在同国家控制的俄罗斯银行，诸如俄罗斯联邦储蓄银行（Sberbank）和其它国际金融公司的竞争中很难冲破障碍而进入市场。

The bank has found it hard to break into the market amid competition from state-controlled Russian banks, such as Sberbank, and other international financial companies.

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