Three years. It would take three years for the business to recover. This business is a bank's external lending and borrowing business. The borrower's creditworthiness and other factors must be evaluated before this business operation can be carried out. A three-year observation period is required. Shanghai Pudong Development Bank Co., Ltd. is a national joint-stock commercial bank that was established with the approval of the People's Bank of China on August 28, 1992, opened on January 9, 1993, and was listed on the Shanghai Stock Exchange in 1999. Its head office is located in Shanghai. The registered capital is 29.352 billion yuan. With its good performance and reputation for integrity, Shanghai Pudong Development Bank has become a highly watched and respected listed company in China's securities market.