Provision coverage ratio

When it comes to the operating performance, the banks behave generally well& the bad loan ratio reduces year by year and the provision coverage ratio goes up step by step.

经营绩效方面，各家普遍表现良好，不良贷款率逐年下降，拨备覆盖率逐年提高。

Meanwhile, the profit of state-owned commercial banks increased substantially, the non-performing loan ratio continued to decline, provision coverage increased substantially and management ability enhanced a lot in recent years. Objectively, our state-owned commercial banks have the strength of internationalization.

同时，近几年来国有商业银行的利润大幅上升、不良贷款率持续下降、拨备覆盖率不断上升，经营能力不断增强，客观上也具备跨国经营的实力。

At Wells Fargo, managers have dreamt up a new ratio to track alongside such banking stalwarts as provision coverage and capital adequacy.

富国银行（Wells Fargo）的管理者想出了一个新的比率，用来与拨备覆盖率和资本充足率等银行业使用的可靠比率一起追踪银行的状况。