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Chinese Banks' Divided Capital
Keywords:
Lower reserve capital ratios of China's mid-size banks, Citic, Mingsheng, China Merchants bank falling below the Basel III requirements of Tier 1 capital ratios- mostly common equity- of at least 8.5% of assets by 2018, 9.5% for systemically important banks. In comparison the higher capital ratios exceeding Basel III requirements of Industrial and Commercial Bank of China, Bank of China and Construction Bank of China, the large state owned banks. The situation is worse when one considers that these midsized banks have tried to grow aggressively taking on credit risks beyond their capacity. China Merchants Bank has off-balance sheet wealth management products, high interest deposits invested in riskier assets of $83.7 billion at the end of Sept 2013, equivalent to 200% of shareholders equity.
Reserve capital buffers of midsize Chinese banks- Citic, Mingsheng
06/07/2010
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Chinese Banks' Divided Capital
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Large exposure to local government financing vehicles of China's smaller banks
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Grouped Articles
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I.M.F. Tells China of Urgent Need for Economic Change
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Chinese Banks' Divided Capital
Wall Street Journal 10/31/2013
Chinese Bank Regulator Warns of Loan Risks
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BusinessWeek 07/29/2010
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