If you're not sure, calculate the actual ratio on the credit cards or programs you use and go from there. (entrepreneur.com)
The IMF said the actual ratio of bad loans could be as high as 13.5 %. (geckoresearch.com)
Although the analysis of financial ratios is well developed and the actual ratios are well known, practicing financial analysts often develop their own measures for particular industries, and even for individual companies. (finpipe.com)