Jiang Jianqing, chairman, said the bank aimed for only a modest growth in its lending, in favour of less risky income from wealth management and other fee-based products.

工行董事长姜建清表示，该行计划将贷款增长控制在适度水平，努力获得来自理财和其它收费产品的较低风险收入。

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The Banks increased their income by putting less money aside to cover bad loans, rather than expanding lending.

银行通过减少处理坏账的资金而非增加贷款来提高收入。

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