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Banks' earnings reports for the second quarter, released over the past two weeks,
在過去兩周發布的銀行第二季度財報表明，
suggest that the take-up of the schemes may well have reflected the exigencies of lockdown.
這些方案的實施或許很好地反映了封鎖的緊迫性。
Axis Bank and ICICI, large private lenders, reported that loans held under moratorium had fallen from 30% in April to under 20% in June;
大型私有銀行，艾克塞斯銀和印度工業信貸投資銀行（ICICI）報道稱，延期償付下所持有的貸款從四月的30%降至6月的20%；
Kotak Mahindra reported a fall from 26% to 10%.
科塔克馬辛德拉銀行報告稱，從26%降至10%。
State-owned banks are only beginning to release their earnings, but their use of the moratorium seems likely to have fallen too.
國有銀行才剛開始公布他們的收益，但其延期償付的申請率似乎也下降了。
Analysts are now asking whether loans and interest obligations will be fully repaid once the moratorium ends.
分析師正在詢問，一旦延期償付結束，是否需要全額償還貸款和利息債務。
The RBI predicts that non-performing assets, as a share of the total, could rise from 8.5% in March to 12.5% in 2021.
RBI預測，無盈利效能的資產占總資產的比例，將從3月份的8.5%上升到2021年的12.5%。
It reckons this could exceed 16% for public-sector banks in a "severely stressed" scenario,
其認為，在“極度壓力”的情況中，公共部門銀行的這一比例可能會超過16%，
which would surely push some banks' capital ratios below regulatory requirements.
這肯定會將一些銀行的資本比率壓至監管要求以下。
Shaktikanta Das, the RBI's governor, urged banks to "proactively augment" capital now, rather than waiting for shortfalls to be revealed later.
RBI行長Shaktikanta Das敦促各銀行現在就“主動增加”資本，而不是等著以后出現短缺。
On July 27th Fitch, a rating agency, was blunter, warning that "state banks face solvency risk without fresh capital injections".
7月27日，評級機構惠譽國際直率地警告稱，“如果沒有新的注資，國有銀行將面臨償付風險”。
How much capital is needed is unclear, given the uncertainty over loan losses.
考慮到貸款損失的不確定性，需要多少資金尚不清楚。
In April Prakhar Sharma, an analyst at Jefferies, an investment bank,
四月，投資銀行杰富瑞的一名分析師Prakhar Sharma稱，
put the fresh capital needed by the public banks at 889bn rupees ($12bn) and at half that for the private lenders.
國有銀行所需新資本為8890億盧比（合120億美元），私有銀行為這個數字的一半。
Some banks are beginning to prepare themselves: Kotak Mahindra raised nearly $1bn in May;
一些銀行開始做準備：科塔克馬辛德拉銀行在五月籌集到了近10億美元；
ICICI plans to seek a similar amount, as does the State Bank of India, the country's largest lender.
ICICI計劃尋求類似金額，該國最大銀行——印度國家銀行也如此。
But many of India's weaker banks, saddled with legacy problems and uncertain loan losses, are likely to attract scant interest from investors.
但印度很多實力較弱的銀行，背負著遺留問題和不確定的貸款損失，他們可能難以吸引投資者的興趣。
Much of the RBI's early response to the pandemic involved protecting borrowers.
RBI應對疫情的反應大多涉及保護借款方。
It may yet find itself being forced to step in to save some lenders.
它可能發現自己會被迫介入以拯救一些貸款方。
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