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But it did write the problem home loans down more aggressively.
In the fourth quarter, the bank wrote off 3.7 percent of its loans, down from 4.1 percent the previous quarter.
The subsidy for 2013 provides for $16 billion in general business loans, down from $17.5 billion this year.
Loans with payments overdue by two or more months fell to 0.19percentt of outstanding loans, down from 0.24percentt in the second quarter.
The slowdown reflects a tiny 0.5percentt rate of growth in the category that includes auto loans, down from a 6.1percentt surge in this category in June.
If banks had to write these loans down substantially, acknowledging the true extent of their losses, they would have to raise capital - and might even teeter on the brink of insolvency.
Similar(27)
"Loans are down year to date.
Rates on such loans are down sharply in recent weeks.
Citibank said it offered loans with down payments of less than 20 percent with insurance, too.
Big banks and regional lenders that offer mortgages and construction loans were down.
I would not be surprised if half of these loans went down….
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com