Only when the enterprises improve their operation and profitability, can they strengthen their ability to repay debts, which will lead to lower loan default rates and low NPL ratios. Banks face different clients under different market conditions. In a mature market economy, bank clients are of good quality and a credit culture is well established in the society.
As a result of 3  these laudable achievements, we have hosted a number of visitors from central banks on the African continent to understudy the project design and implementation, with more visits scheduled for next year. 6.