Most banks do not use the national definition for an SME. Instead, they use the size of loan as a proxy, and definitions vary across banks. Total business loans decreased between 2007 and 2010, but the share of SME loans increased from 28.1% (2007) to 38% (2010). Bank lending to businesses in general languished at two-thirds of the 1990s levels. Both SME long-term and short-term loans increased from 2007-09, whilst only the latter continued to grow in 2010. The percentage of SME non-performing loans was high compared to western countries. 7.6% of SME loans were non-performing in 2009, and 7.4% in 2010