Paraguay's banking and financial services industry is still recovering from the liquidity crisis of 1995, when news of widespread corruption resulted in the closure of several significant banks. Reform efforts spurred by the International Monetary Fund  and World Bank helped restore some credibility to Paraguay's banking industry. Still, a paucity of credit options hinders the overall economy. Paraguay has a long history as a money-laundering center. The government has taken steps to curb the problem, but enforcement of anti-laundering legislation remains inconsistent. Foreign companies either partially or wholly own most banks and financial institutions in Paraguay. Paraguayan banks hold less than 10 percent of deposits. Of the 16 banks operating in Paraguay in 2003, 50 percent were wholly foreign-owned and 25 percent were partially owned by foreign companies. Paraguay's Central Bank exists to stabilize the financial sector, making sure that another run on banks, such as the one that occurred in 1995, does not recur. The Superintendencia de Bancos regulates the banking system, monitoring the percentage of non-performing loans in the banking system. Bank deposits rose significantly in 2004, along with the percentage of local currency in total deposits. Local currency deposits increased by 26 percent in 2004, a sign that Paraguayans are gaining confidence in the stability of Paraguayan currency. In another promising development, interest rates dropped dramatically in 2004, from 50 percent in 2003 to 27 percent in 2004. Paraguay's stock market, the Bolsa de Valores y Productos de Asunción, began trading in October 1993. The tradition of family-owned companies and economic instability kept investment low throughout the 1990s. The value of shares on the Asunción stock exchange rose by 390 percent in 2004, reaching US$17.5 million.

Question: How many percentage points did interest rates drop from 2003 to 2004?
Answer: 23

Question: Which happened later, the liquidity crisis of 1995 or the beginning of trading on the Bolsa de Valores y Productos de Asunción?
Answer: the liquidity crisis of 1995

Question: How many banks were wholly foreign-owned in Paraguay in 2003?
Answer: 8

Question: How many percent of deposits are held outside of Paraguayan banks?
Answer: 90

Question: How many percent of banks in Paraguay were wholly or  at least partially owned by foreign companies?
Answer: 75

Question: How many percentage points did interest drop between 2003 and 2004?
Answer: 23

Question: How many banks were operating in Paraguay in 2003?
Answer: 16 banks

Question: How many banks were wholly foreign-owned?
Answer: 8

Question: How many banks were partially foreign-owned?
Answer: 4

Question: How many of the 16 banks operating in Paraguay in 2003 were partially owned by foreign companies?
Answer: 4

Question: How many percents did interest rates drop in 2004 compared to 2003?
Answer: 23

Question: How many years after Paraguay's stock market began trading did the liquidity crisis of 1995 happen?
Answer: 2

Question: How many percentages did interest rates drop in Paraguay between 2003 and 2004?
Answer: 23

Question: What percentage of the 16 banks operating in Paraguay were not wholly foreign-owned or partially owned by foreign companies?
Answer: 25 percent