The average 91-day T-bill rate was at 3.3 percent in September, lower by 2 percentage points compared to its year-ago figure. •  The NPL ratio of U/KBs at 5.18 percent (July 2007) has been in single-digit territory since June 2005 and is close to the pre-1997 crisis level of 4 percent. (For banks, the latest NPL ratio for July was at 5.6 percent.)
Essentially, I’d say, so far, so good. Which brings to my mind Newton’s First Law of Motion: Does anyone recall? Every object in a state of uniform motion tends to remain in that state of motion unless an external force is applied to it. This is often termed simply the "Law of Inertia".