The International Monetary Fund has released an assessment critical of Ireland’s actions after receiving bailout funds.

The report says that Irish banks have made “inadequate progress” due to non-performing loans and not dealing well with tackling home repossessions. The IMF said it’s likely the banks are still losing money before putting aside funds to cover bad loans.

The IMF warned more needs to be done before the end of year when the country is scheduled to leave their bailout program.

Ireland is still plagued with high unemployment much like the rest of Europe and the IMF says that unemployment could lead to the country’s debts being unsustainable.