I came here to study http://itu.sci.cu.edu.eg/stmap_372z8r3h.html?credit.payday-loans-77021 comment faire une introduction de dissertation en economie  Vague non-performing loan (NPL) transparency and tough economic conditions still pose impairment risks to major banks. VAMC could remove bad debt from banks but not losses. A "true" level of the NPL ratio (say 15% relative to the reported 3%-4%) and an 80% loss rate would cut core Tier 1 capital adequacy ratio (CAR) of large lenders to about 1% from the reported 10% at end-June 2013. This, together with pressure on banks' asset quality and profit generation, underlines the need for fresh capital, which Fitch believes will be hard to acquire, especially for small and medium-sized banks. Restrictive foreign ownership laws deter foreign investment while there may not be much investor appetite locally because of the uncertain domestic economy.