Asset quality is satisfactory with gross NPL ratio at 4.7 percent as of end-December 2016 (better than the average in the last five years) while capital adequacy ratio (CAR), as a measure of riskbased capital, remains well above the minimum BSP and international standards.
1/3  BIS central bankers' speeches  The first case is the P2P. It was originally supposed to be just an information intermediary. However in practice, many P2P platforms engaged in lending and wealth management. For the past 14 years, the total number of P2P was over 10 thousand in China. At the peak, there were over 5000 companies operating at the same time.