So, if we apply this understanding of “until now” to the first example, it means that until the present moment the Banks have not provided the documents and information. NOW (or in the very recent past) they have provided them.That is how a native English speaker would understand the sentence.
那么，让我们把这个含义用到第一个例子中去，这句话的意思就是：直到刚才，银行还没有提供文件和信息。但是，刚才(或者比这早一些时候)，银行已经提交了。英语为母语的人就是这么理解“直到刚才”的意思的。
Instead of “until now”, in this sentence the writer should have used the phrases “to date”, “as yet” or “so far”. They all have the same meaning. “To date” is formal; “so far” informal.
如果要表示否定的意思，就不应该用“until now”，可以用“to date”，“as yet”，或者“so far”，上述词组都表示目前为止的意思，“to date”是正式用法，“so far”是非正式用法。
To date, the above documents and information have not been provided by the Banks.
例句：目前为止，银行还没有把上述文件和信息提交过来。
