但各大银行计划筹资的总额，仍远低于杨凯生对未来五年资本缺口的估算。

But the total amounts they plan to raise fall far short of the five-year estimate of Yang Kaisheng, ICBC President.

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杨凯生表示，他的估算是基于当前11.5%的资本充足率要求、今后五年年均12%的净利润增幅和年均15%的贷款增幅。

Mr Yang said his estimate was based on the current required capital adequacy ratio of 11.5 per cent, net profit growth of 12 per cent and loan growth of 15 per cent over the next five years.

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杨凯生表示，他的估算是基于当前11.5%的资本充足率要求、今后五年年均12%的净利润增幅和年均15%的贷款增幅。

Mr Yang said his estimate was based on the current required capital adequacy ratio of 11.5 per cent, net profit growth of 12 per cent and loan growth of 15 per cent over the next five years.

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