but that is the banks own bad debt provision for this year, is their anyway of estimating how much stress the bank could cope with, in other words the maximum amount of loans going bad but the bank being able to keep operating, is there a percentage beyond which the bank can't operate, im just trying to estimate a margin of safety, my thinking is that if there were to be large default it would happen over a relatively short period as the most stressed borrowers would give in at the same time more or less, so the bank could take a large hit in one year which a bad debt provision would not account for.