The procrastinating debtors were convinced of the necessity of their repayment. These efforts were undoubtedly very detailed. The arrears as of January 31, 1910, amounted to £416,887 G.M., distributed over approximately 40,000 advances. The Bank had then initiated judicial proceedings in 2,544 cases, but it later postponed them, hoping for a settlement at the beginning of the year. However, this policy did not meet with great success, as not all settlements were reached. Of course, the Bank stopped proceedings in some cases because it could not seize property, or it did not proceed with the seizure. Thus, the Bank resumed its proceedings that year, and new cases were filed against a group of the most defaulting debtors. The number of pending cases reached 2,181 as of January 31, 1911. Property seizure was only initiated in 319 cases in 1910. The area of land cultivated was 1,035 feddans, of which the Bank purchased 680 feddans. The total land held by the Bank as of January 31, 1891, was 1,891 feddans, valued at £30,020 G.M. Land prices have recently risen significantly, so the Bank can sell some of its holdings at a profit. £43,946 G.M. was recovered from the arrears, which amounted to £16,887 G.M. as of January 31, 1910, which is 58% over the year. This is a satisfactory result considering the circumstances. However, new arrears in 1910 brought the total arrears to £3,760 G.M. as of January 31, 1911, distributed over approximately 49,000 advances. The Bank adopted a more cautious policy in lending than before, following the results seen in recent years. It narrowed the scope of lending and completely prohibited it in areas where arrears were high. It decided, on the other hand, to lend only a small amount, especially in areas where taxes did not always accurately reflect the value of the land, and only in specific villages and with guarantees. It also began to conduct specific investigations before granting loans in some areas and villages where taxes did not always accurately reflect the value of the land. It was found that in some cases, it was necessary to increase the examination of the land and its produce. It is still investigating the purpose for which the loan is requested before granting it, even if the value of what it finds in this regard is minimal. The result of these restrictions, along with the beginning of a decrease in the demand for loans and the gradual shortening of loan terms from ten years to twenty years, was a significant decrease in the annual amount of loans. This is evident when comparing the figures for 1909 and 1910.