Capital ratios have fallen sharply, while returns on equity have become higher and more volatile.

资本比率大幅下降, 而股本回报率变得更高更不稳定.

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But with high interest rates on private loans, the returns on equity were pretty good.

但对个人的贷款利率很高, 资本回报也相当不错.

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For a highly indebted corporate sector, this makes a huge difference to returns on equity.

对于负债累累的企业界而言, 这会对股本回报率产生重大影响.

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If returns on equity become negative in a thinly capitalised business, many banks will become insolvent.

如果在这个资本金摊薄的行业中,股本收益率成为负值, 很多银行将资不抵债.

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