The few banks that has the potential to increase their capital, recorded more than 300 billion yuan (USD44 billion). They are the banks under regulatory pressure to improve its balance sheet.

“Hopefully the credit and balance sheet growth is expanding rapidly in 2009 and 2010. Bank may need to raise new capital to satisfy regulators as the higher capital adequacy ratio standard,” said BNP Paribas analyst Dorris Chen, as quoted by the AFP, Wednesday ( 25/11/2009).

Chen said that the 11 banks listed on Shanghai and Hong Kong may need to raise capital up to 326 billion yuan. China itself has set a number of the bank’s capital adequacy ratio of at least eight percent of them.

Meanwhile, Citigroup analyst Simon Ho said, in his research that the small banks that registered in Shanghai may have to seek up to 113 billion yuan in 2011, which has announced plans to raise loans totaling 53 billion yuan.

“No (banking in Hong Kong are registered) are currently in need of new equity but maybe there is a need like that in two to three years ahead,” added Ho.

Ho added, the banks listed in China has a capital adequacy ratio of between 8.5 percent and 16.1 percent at the end of September. However, some banks had expressed no plans to raise capital immediately.

Banking in China this year government notes will improve the economy in the face of the global financial crisis. The new bank loans reached 7.4 trillion yuan (USD1, 1 trillion), in the first half of this year, is expected to be pumping the economy with the world’s third largest economy to fight global decline.

These measures slowed the regulatory control of the banks loans and improve risk management. While seasonal factors also play a role.

“There is a long list of people, the fees are not recognized by the consumer,” said Greg McBride, senior financial analyst at Bankrate.com. Here are five key areas of income concealed from the bank. Balance transfer banks in rights generally mails pitching low interest rates for customers who are willing balances from another credit transfer. What many do not advertise that there is a small charge for balance transfer 3% and 5 % fine print. “If you have a balance from one card to a 15% rate on a card with a transfer rate of 13% of them have, but you pay an entrance fee of 3 %, so you do not save money, “said McBride. The transition to a balance of $ 5,000 from a credit card to another with a slightly lower rate could result in a $ 150 balance you owe and add it to pay interest. If you are thinking of moving to a card with a lower interest rate, ask the bank what kind of transfer fee at cost. These fees are separate from the annual interest payment.

Consumers who use advance cash advance funds from their credit card will also go through a transaction fee that they would not have expected to be affected. As for balance transfers, cash advances often with a fee of 3% and 5%. That’s not all. “If cash advances are not expensive enough to interest young people in high interest rates and there is no grace period clock is ticking now,” said McBride.

Currency surcharges.
With a debit card or credit card to travel abroad is great to manage. May be useful. In recent years, as a general rule, banks have started charging a fee of 3% for purchases in foreign currencies. This means that if you buy go to Paris on holiday gifts and euros, the price shown on your statement in U.S. dollars is presented – with the 3% tax if you use a debit card or credit card built Abroad, they see the plan of an open account with Capital One or Charles Schwab, which costs money to run as low as 1%. If you have money at an ATM in another country, another place (take, where the ring provide additional bank charges), Wells Fargo and PNC are among the lowest costs.

Balancing needs.
Many banks also offer monthly service fee by check or savings accounts to customers as a group to set a minimum balance to maintain. Dip the bottom, and you can do with a fee of $ 8 or more each time you press the balance of your account is less than the minimum. “It really needs a losing record,” said McBride. “If you do not maintain balance, you arrive at a sum with socks. If you stop giving the possibility of stranding costs money with low performance if you can get higher returns are competitive have a savings account online.

ATM Fees
Bank of America ATM fees other banks and their customers now $ 3 for the other banks can withdraw money from their ATMs. But in any case, you accept the charges at the terminal. What some people do not realize that their own bank charges often cost $ 2 each time they use the ATM of a competitor. If you add up all the bank charges, it costs $ 5 can buy $ 20 of your own money. This is a commission of 25%, and not bank on one thing.

It is like a said from Associated Press (AP), Saturday (19/9/2009).

The two banks are Union Bank FSB Irwin and Columbus and Irwin Union Bank and Trust Co.. As of August 31 Where then, Irwin Bank FSB had assets worth USD493 million and 441 million deposit registration. While Irwin Union Bank and Trust had assets Rp2, 7 billion and deposits of 2.1 billion.

With the closing of two banks, the Federal Deposit Insurance Corp. (FDIC) tells the deposits of both banks will be handled by First Financial Bank in Hamilton, Ohio.

First Financial also agreed to follow up the two banks assets. Where the FDIC and First Financial made a deal to cover as much as $ 2, 5 billion from the bank’s assets.

Furthermore, 27 brances of financial services under the Irwin Union Bank FSB and Irwin Union Bank and Trust will be back to normal again on Saturday local time by changing the brances of the Fisrt Financial. FDIC estimates the bankruptcy of two banks will spend the funds from the insurance of about USD850 million.

As quoted by Reuters on Friday claims the National Association of Realtors that home sales fell 2.7 percent in August, which affected the movement of the index on Wall Street. While the U.S. Labor Department reported that new unemployment claims have an impact on incentives for unemployment fell in the third week of this. Claims for unemployment insurance fell from 21 thousand to 530 thousand.

The strengthening U.S. dollar pushed commodity prices will be cheaper and the impact on the stocks of energy and materials sectors.

The decline came a day after the Fed’s statement that the economy began to recover and will have an impact on capital market gains. Investors are still confident that the economy began to recover, but concerns will be how the persistence of economic recovery are still haunt investors.

Sentiment is carrying the Dow Jones index fell 41.11 points, or 0.42 percent equivalent to 9707.44. Meanwhile, the S & P 500 also fell 10.09 points, or 0.95 percent equivalent to the level of 1050.78, and the Nasdaq index lower 23.81 points, or 1.12 percent equivalent to 2107.61.