鉴于美国各银行的平均净利差处于4年高位，一些拥有大量不良资产的银行去年受益匪浅，因为更廉价的资金帮助平衡了坏账拨备与信贷成本之间持续高企的比率。
With US banks ' average net interest margin at a four-year high , some banks laden with bad assets last year benefited as cheaper funding helped to balance continuing high rates of provisions and credit costs .
坏账成本