bad debt reserves

基本解释

Bad debt reserves is a kind of impairment of assets.
坏账准备是一项资产减值。
For example, Bank of China has roughly the same size of loan book as JPMorgan Chase or Citigroup, but only around half the level of bad-debt reserves.
例如，中国银行的贷款总额大致相当于摩根大通或花旗集团，但坏账储备金只有大约一半。
Bad-debt reserves relative to the size of total loans are smaller, especially compared with Western firms that have taken massive hits in anticipation of losses.
坏账储备金相对于贷款总额而言较小，尤其是与在损失预测上遭受巨大打击的西方银行相比。

But that means adding to bad debt reserves or posting a special loss, hurting earnings.
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The bank has plenty of reserves for bad debt but that takes away from profit, and the ability to invest in new business.
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