However, reflecting the high level of Greek ship purchase activity, and the standing of the order book, the author of the analysis, Ted Petropoulos, points out that while drawn loans are down by 3.25%, commitments are up by 9.62%. "The extreme falls, in the preceding period, of the dry bulk, offshore and container sectors severely tested both owners and banks. For banks, it was a traumatic experience, as numerous clients experienced negative cash flows and were forced to consider scrapping or lay up. Loan payments were often delayed and / or stopped altogether, whilst falling asset values created enormous security shortfalls in the banks' loan portfolios," said Petropoulos. Most banks confirm their books to Petrofin, but the Swiss giant is among those, which Petrofin has estimated. This puts Credit Suisse with a total book of $6.72bn compared to RBS' $5.2bn. Credit Suisse lifted its portfolio by 13.53% while RBS' book fell 13.58%.