She has an
impairment in her hearing, which makes it difficult for her to understand conversations.
她有听力障碍，这使得她难以理解对话。
The prolonged illness resulted in a significant cognitive
impairment in the patient.
长期的疾病导致患者出现了显著的认知障碍。
His leg injury caused a temporary
impairment of his ability to walk.
他的腿部受伤暂时影响了他行走的能力。
The accident led to a partial
impairment of his vision in one eye.
事故导致他一只眼睛的视力部分受损。
The elderly often experience age-related hearing
impairments.
老年人经常会出现与年龄相关的听力减退。
The stroke caused a motor
impairment on the left side of his body.
中风导致他身体左侧的运动功能受损。
Regular exercise can help prevent the
impairment of cardiovascular health.
定期锻炼有助于防止心血管健康受损。
Chronic stress can lead to emotional and psychological
impairments.
慢性压力可能导致情绪和心理障碍。
Children with learning
impairments often require specialized educational support.
有学习障碍的孩子通常需要特殊教育支持。
The treatment aims to alleviate the speech
impairment caused by the neurological disorder.
治疗旨在缓解由神经系统疾病引起的语言障碍。
Therefore, the company's liquidity is exhausted and its asset impairment is serious, according to the letter.
因此，信中称，该公司的流动性已经耗尽，资产减值严重。
Therefore, the company's liquidity is exhausted and the asset impairment has been serious, according to the letter.
因此，信中称，该公司的流动性已经耗尽，资产减值严重。
However, the overall risks of CCB's lending to the real estate sector and homebuyers still remain controllable and the allowances for impairment losses on loans are sufficient, said Cheng.
然而，程表示，建行向房地产行业和购房者发放贷款的总体风险仍然可控，贷款减值准备充足。
In spite of the rise in housing-related NPL ratios, the overall risk of the CCB's lending to the real estate sector and homebuyers still remains controllable and the allowances for impairment losses on loans are sufficient, Cheng said.
程表示，尽管住房不良贷款率有所上升，但建行向房地产行业和购房者发放贷款的总体风险仍然可控，贷款减值准备充足。
Chief physician Meng Fankai, a member of the Tongji CAR-T therapy team, said, "As a typical case of lymphoma involving the central nervous system, Wu received six cycles of chemotherapy in the local hospital and developed memory impairment.
同济CAR-T治疗团队成员孟凡凯主任医师说：“作为中枢神经系统淋巴瘤的典型病例，吴在当地医院接受了六个周期的化疗，并出现了记忆障碍。
The bank will ramp up nonperforming loan clearance and disposal, adopt a multilayered approach to refine the management of clients whose loans turn sour, continuously improve risk offset capacity by setting aside adequate allowances for impairment losses on loans, and accelerate digital transformation of credit risk management," he said.
他称，银行将加大不良贷款清收处置力度，对不良贷款客户实施分层分类管理，持续提足拨备覆盖，增强风险抵补能力，并加快推进信贷风险管理数字化转型。
Allowances for impairment losses on loans to NPLs were 213.59 percent last year.
去年对不良贷款的减值损失准备金为213.59%。
A research by the China Center for Health Development Studies affiliated with Peking University showed that social and economic costs caused by various types of visual impairment in China totaled 680 billion yuan in 2012, accounting for 1.3 percent of the country's GDP that year.
The latest national survey showed that there are 27.8 million people in China with hearing impairment, and according to business media CBN's report, the country has more than 70 million people with hearing loss.
Long Mo, deputy director of the China Rehabilitation Research Center for Hearing and Speech Impairment, said only 7.9 percent of Chinese who suffer from medium-level or worse hearing impairments use hearing aids or cochlear implant.
According to a report by Li Ling, a professor from Peking University, in 2012, visual impairment of all types cost a total of 680 billion yuan ($99.19 billion) to treat in China, accounting for 1.3 percent of the country's GDP that year.
However, profits have plummeted 98 percent from 6.3 million pounds ($7.98 million) in 2017 to 100,000 pounds in 2018, due to a decline in sales and an impairment charge on the sale of a commercial property in Singapore.
However, profits have gone on to plummet 98 percent from 6.3 million pounds ($7.94 million) in 2017 to 100,000 pounds in 2018, due to a decline in sales and an impairment charge on the sale of a commercial property in Singapore.
The company inked a licensing agreement with Japanese EA Pharmaceutical Co Ltd on Wednesday, giving it the rights to develop, produce and commercialize EA's new kidney disease treatment medicine, a drug that treats enlargement of one or more of the parathyroid glands caused by end-stage renal impairment and dialysis.
China Petroleum & Chemical Corp, the world's biggest refiner, also known as Sinopec, also disclosed its third-quarter report late Monday, saying its profit advanced by 13 percent as earnings from refining operations offset upstream and impairment losses during the period, while its net income increased to 11.5 billion yuan.
In addition, the bank has increased its provisions for real estate lending, with the ratio of allowance for loan impairment losses to total loans in the real estate sector exceeding 6 percent.
Alias Tongtong, a one-year-old boy with severe hearing impairment, was implanted with a new pair of "ears" imported from Austria last week by doctors from Shanghai at the Hainan Boao Lecheng International Medical Tourism Pilot Zone, becoming one of the latest 70 beneficiaries in about a month to access the most advanced technologies that enable them to hear the voice of the world.
We are responsible for maintaining the supply chains and our economy in order to minimize the impairment of the port's supply and disposal function for Germany and Europe.
BOC will continuously optimize its credit structure, strictly implement the new measures for the risk classification of financial assets of commercial banks, and prudently make adequate allowances for loan impairment losses.
The bank's risk mitigation capacity continued to strengthen, with the allowance for loan impairment losses to nonperforming loans reaching 188.73 percent last year, up 1.68 percentage points from 2021. jiangxueqing@chinadaily.
The amount of its NPLs was 292.83 billion yuan ($42.61 billion), but the allowances for impairment losses on loans and advances to customers were 704.09 billion yuan, which was nearly 2.5 times the amount of NPLs.
The ratio of allowance for loan impairment losses to NPLs was 205.85 percent at the end of the fourth quarter, up 0.31 percentage points from the previous quarter.
The net profit growth of listed banks in 2022 could be attributed to relatively fast credit expansion by more than 10 percent and their cost reductions, especially a reduction in risk-related costs, due to strengthened efforts to write off nonperforming loans and set aside adequate allowances for loan impairment losses from 2020 to 2021, said Zeng Gang, director of the Shanghai Institution for Finance & Development.
Given that listed banks from the A-share market made adequate allowance for impairment losses on loans, their full-year profit growth is likely to stay at around 8 percent, said Xiao Feifei, an analyst at CITIC Securities.
The ratio of allowances for impairment losses on loans to NPLs was 240 percent, up 15.6 percentage points year-on-year, said the People's Bank of China, the central bank.
Their NPL ratio was 4 percent, and the ratio of allowances for loan impairment losses to NPLs was 122.9 percent.
To further improve their risk resistance capacity, Chinese listed banks maintained a prudent impairment provision policy.
Among 42 A-share listed Chinese banks, 10 lenders cut the allowance for loan impairment losses to nonperforming loans in the first quarter, as China urged large and quality banks to release funds to step up support for the real economy.
The China Banking and Insurance Regulatory Commission (CBIRC) said at a recent meeting that the regulator encourages large banks whose allowance for loan impairment losses to NPLs remains high and other quality listed banks to reduce the figure in an orderly manner to release more credit resources.
Based on the banking sector's statistics last year, the securities company headquartered in Suzhou, Jiangsu province, estimated that if large State-owned commercial lenders and national joint-stock commercial banks lower the allowance to NPLs to 200 percent, 470 billion yuan ($69.48 billion) of allowance for loan impairment losses will be available.
Liang Tao, vice-chairman of the China Banking and Insurance Regulatory Commission, said the regulator encourages large banks (whose allowance for loan impairment losses to nonperforming loans remains high) and other quality listed banks to cut the figure in an orderly manner to unleash more credit resources.
At the same time, the bank made sufficient provisions which will fully cover impairment losses of these loans, said Zhang Wenwu, senior executive vice-president of ICBC.
Zeng Gang, deputy director-general of the National Institution for Finance & Development, said the banking sector will continue to stabilize economic growth to mitigate potential risks, strengthen NPL write-off practices and increase the ratio of allowance for impairment losses on loans to NPLs for the purpose of consolidating its risk resistance capacity.
The products are mainly invested in fixed-income assets and will use risk reserve, provision for assets impairment, and other methods to strengthen their risk resistance capacity.
The increase of its net fee and commission income by 8.8 percent to 48.15 billion yuan, the drop of its cost-to-income ratio by 0.1 percentage points, and the 3 percent decrease in its credit impairment losses also contributed to the net profit growth, Zhang said.
It also will strengthen efforts to prevent, control and defuse risks in major areas, conduct comprehensive risk screening regularly, make adequate allowance for loan impairment losses and keep optimizing its credit structure, he said.
The regulator urged banks to conduct comprehensive risk assessments, have sufficient provisions for loan impairment, make plans for dealing with a rebound in nonperforming loans and further ramp up efforts to dispose of NPLs.
"The CBIRC has urged banks to conduct comprehensive risk assessment, make sufficient provisions for loan impairment proactively, make plans for dealing with a rebound in nonperforming loans, and further ramp up efforts to dispose of NPLs.
In the short term, banks are likely to see a continued increase in their impairment charges for non-loan assets, such as bonds with high default risks.
Moody's said that 15 major Chinese banks' non-loan asset impairment charges doubled year-on-year in 2020.
If we offer loans at a lending rate of 18 percent to make up for loan impairment losses while our nonperforming loan ratios are between 3 percent and 5 percent, we are actually fostering a group of borrowers who think they can default on loans because banks will use high lending rates to compensate for losses.
Agricultural Bank of China Ltd, another large State-owned commercial lender, also ramped up NPL disposal and improved its risk offset capacity by setting aside 164.7 billion yuan of credit impairment losses.
"We will further consolidate our bank's asset quality and strengthen our mitigation of potential risks this year," he said, adding that the measures include adopting a multilayered approach to refine the management of clients whose loans turn sour, setting aside adequate allowances for impairment losses on loans, and accelerating digital transformation of credit risk management.
Last year, the bank set aside 82.99 billion yuan ($12.7 billion) of allowance for impairment losses on loans and advances to customers, up 7.4 percent from 2019, according to its 2020 annual report released on Thursday.
The banking sector enhanced its resilience by setting aside 1.9 trillion yuan of provisions for impairment losses on loans last year, up by 113.9 billion yuan on a yearly basis.
The banking sector enhanced its resilience by setting aside 1.9 trillion yuan of provisions for impairment losses on loans last year, increasing 113.9 billion yuan year-on-year.
Affected by the overall economic situation, listed banks increased their allowance for loan impairment losses.
China's banking sector has maintained a relatively strong risk resistance capacity by increasing the appropriation of impairment losses on loans.
Banks appropriated 1.4 trillion yuan of impairment losses on loans during the first eight months, up by 261.5 billion yuan year-on-year.
The level of allowance for loan impairment losses to nonperforming loans of the banking sector stood at 176.5 percent, while its NPL ratio rose by 0.11 percentage point from the beginning of this year to 2.14 percent at the end of August, according to data from the CBIRC.
State-owned commercial banks step up measures amid COVID-19 epidemicChina's large State-owned commercial banks remarkably increased the appropriation of impairment losses on loans in the first half to improve their capacity to combat risks after the COVID-19 pandemic broke out.
Industrial and Commercial Bank of China Ltd, the country's largest commercial lender by assets, appropriated 111.7 billion yuan ($16.3 billion) of impairment losses on loans in the first six months, up 21.6 percent year-on-year.
During the same period, Bank of China Ltd recorded a 97.5 percent growth of impairment losses on assets.
The increase in credit impairment losses varied from 21.3 percent to 54.7 percent for the other four large State-owned commercial lenders.
"To deal with potential credit risks in the future, our bank largely increased impairment losses on assets in the first half, which is a major reason for a year-on-year decline in profit for the period," said Zheng Guoyu, executive vice-president at Bank of China.
Our capacity to offset risks has been further improved, with the allowance for loan impairment losses to nonperforming loans rising 3.6 percentage points from the end of last year to 186.46 percent at the end of June," Zheng said.
We will eventually realize a virtuous cycle leading to sustainable development of the economy and finance," said Liu Guiping, president of China Construction Bank Corp. Like its counterparts in the United States and Europe, CCB significantly increased the appropriation of impairment losses on loans in the second quarter given the spread of the pandemic worldwide.
The level of allowance for loan impairment losses to nonperforming loans of CCB stood at 223.47 percent by the end of June, well above regulatory requirements.
Asset quality of the bank remained stable with the outstanding non-performing loans (NPLs) came in at 198.38 billion yuan as of the end of June, while its allowance for loan impairment losses to NPLs went up to 186.46 percent.
China CITIC Bank Corp Ltd increased provisions for credit and other asset impairment losses by nearly 40 percent in the first half of this year, to improve its risk resistance capacity, in expectation for greater pressure on the asset quality of the banking sector.
The national joint-stock commercial lender headquartered in Beijing set aside 47.73 billion yuan ($6.94 billion) of provisions for credit and other asset impairment losses in the first half, an increase of 13.54 billion yuan from the same period of last year.
To enhance our ability to fight against risks, we increased our provisions for credit and other asset impairment losses to deal with the shock to our bank's asset quality, considering that the current government policy which allows pandemic-hit micro, small and medium-sized enterprises to temporarily delay payments of loan principal and interest will come to an end (on March 31)," said Fang Heying, executive director and president of China CITIC Bank, at a news conference announcing the bank's 2020 interim results on Thursday.
During the same period, its allowance for impairment losses to total loans increased by 0.32 percentage points to 3.22 percent.
But he added that the next big correction of the US stock market will likely be triggered by "corporate defaults and other capital impairment events that central banks cannot shield against".
A spokesperson from the China Banking and Insurance Regulatory Commission said the commission will firmly crack down on financial statement whitewashing banks, and urged banks to adopt a precise asset allocation strategy, expose their nonperforming loans (NPLs) and establish loan impairment provisions in the full amount, in addition to guiding banks to step up the disposal of NPLs through multiple measures.
The ratio of allowances for impairment losses on loans to NPLs was 227.69 percent, an increase of 19.32 percentage points.
Its coverage ratio of allowance for loan impairment losses to NPLs was 182.86 percent, up 0.89 percentage points.
Its allowance coverage ratio increased by 17.27 percentage points to 175.25 percent over the same period, and the ratio of allowance for loan impairment losses to total loans was 2.9 percent.
But he noted that listed banks will improve their risk resistance capacity and estimated that the ratio of allowance for loan impairment losses to non-performing loans of listed banks will exceed 200 percent at the end of 2019.
"In spite of an increase in macroeconomic uncertainty, we expect that the NPL ratio and the coverage ratio of allowances for loan impairment losses to NPLs will maintain a steady and optimistic momentum, whereas the outstanding amount of nonperforming loans will increase slightly," Ma said in the report.
"By making this adjustment, the regulator hopes that banks will fully expose their non-performing loans and truly disclose their risk situation with more accurate capital adequacy ratios and coverage ratios of allowance for loan impairment losses to NPLs.
It encourages banks to strengthen asset quality and enhance asset safety by increasing their allowances for loan impairment losses.
Although not ruling out the possibility for the pilot program to be launched nationwide, Xiong said the regulator will consider the policy impact by calculating the amount of loans overdue between 60 days and 90 days, to estimate how much the policy will affect banks' non-performing loan ratios and the coverage ratios of allowance for loan impairment losses to NPLs.
Some of them may increase the allowance for loan impairment losses to meet regulatory requirements, and some may step up their efforts to write off bad loans, both of which will have a negative impact on their profits.
"Last year, the bank increased the ratio of allowance for loan impairment losses to NPLs by 37.29 percentage points year-on-year to 208.37 percent.
During the same period, ABC's coverage ratio of allowance for loan impairment losses to NPLs increased by 43.81 percentage points to 252.18 percent, said ABC in its 2018 annual results announcement Friday.
The coverage ratio of allowance for loan impairment losses to NPLs was 181.97 percent, up by 22.79 percentage points from the prior year-end, according to its 2018 annual report.
The major drag on earnings was due to large-scale goodwill impairment, and "is closely related to the boom in acquisitions among companies listed on the ChiNext in the 2014-15 period", said Zhang Xia, chief strategy analyst at Shenzhen-based China Merchants Securities.
If the acquired business misses the performance target during this period, the result is the goodwill impairment of the acquirer, which in turn weighs on its earnings.
"For the stocks with a low valuation and sound business operations, the drop in stock price due to goodwill impairment actually means more opportunities than risks," Hu said.
"Goodwill impairment will weigh on listed companies' earnings for the 2018 fiscal year, but makes it easier for them to post performance growth this year," Cao said in a note on Thursday.
Analysts also noted that behind the wave of goodwill impairment could be earnings management behavior.
As of Thursday's close, the Shenzhen Stock Exchange has asked 14 companies listed on the ChiNext board about the rationality of their goodwill impairment this week, according to the exchange's website.
If successfully implemented, the scheme will be credit-positive for Chinese securities companies because it will reduce their credit risk on their lending on pledged shares and reduce the potential for impairment losses, according to Moody's.
The decline in the first half was mainly caused by a substantial increase in impairment loss provisions and interest expenses, said the company's executive management team in a statement posted on its website on Sept 4.
Impairment losses on financial assets increased by 155.6 percent a year earlier to 12.05 billion yuan in the first half.
Pass loans are those that are in good shape; special mention loans are overdue loans, but the banks don't see them as impaired, while the other three categories are collectively referred to as NPLs that are subject to impairment of varying degrees.
This will likely accelerate loan impairment recognition and help step up disposal of distressed debt, said academics and agencies.
The lower provision requirement would also allow banks to accelerate loan impairment recognition, said the international credit rating agency Fitch.
Its allowance coverage ratio stood at 169.44 percent, 13.94 percentage points higher than the previous year's end; and the ratio of allowance for impairment of loans to total loans rose 22 basis points to 2.84 percent, according to the bank's annual results announcement.
China's latest move to lower the regulatory requirement on the ratio of allowance for loan impairment losses to nonperforming loans will encourage commercial banks to classify bad loans more accurately and to step up the disposal of distressed debt, researchers said.
According to the CBRC, if a bank has calculated 100 percent of its loans that are past due by 90 days or more as nonperforming loans, the regulatory requirement on its ratio of allowance for loan impairment losses to nonperforming loans will be lowered from 150 percent to 120 percent.
The requirement on its ratio of allowance for loan impairment losses to total loans will also be lowered from 2.5 percent to 1.5 percent.
"Zeng Gang, director of banking research at the Chinese Academy of Social Sciences' Institute of Finance and Banking, agreed with Xiong and said: "According to the CBRC, the regulatory requirement on the ratio of allowance for loan impairment losses to nonperforming loans will vary from bank to bank.
"Chinese banks have sufficient allowances for loan impairment losses to handle risk exposures due to high regulatory requirements, said people with a good knowledge of the banking sector.
The average ratio of allowance for loan impairment losses to nonperforming loans in China is more than 180 percent industrywide, far beyond the international level, said Wang Zhaoxing, vice-chairman of the CBRC and a member of the 13th National Committee of the Chinese People's Political Consultative Conference.
For the most part, the four banks' results reflected improvements in interest margins and asset quality, though Bank of China's figures were marred by a jump in impairment losses.
The allowance for loan impairment losses grew by 2.65 percent to 2.9 trillion yuan, enhancing commercial banks' ability to fight potential risks, according to statistics released on Monday by the China Banking Regulatory Commission.
The bank kept its allowance for loan impairment losses to nonperforming loans at 161.32 percent, well above the regulatory requirement of 150 percent.
During the same period, the balance of loan impairment provisions grew by 2.65 percent to 2.9 trillion yuan, enhancing commercial banks' ability to fight against potential risks.
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