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Banks dodgy assets; Taking out the trash;Thelingering toxicity of banks balance-sheets; 银行的不良资产;清理垃圾;银行资产负债表的毒性挥散不去; Waste disposal is still a big part of post-crisisbanking. A large amount of toxic securities andloans remains on banks balance-sheets. After itsbail-out Citigroup, for example, split itself into agood bank and a bad bank for operationalpurposes. The nasty bit still represents a fifth of thefirm s assets and accounts for a third of its capitalrequirements. Two other rescued firms, Royal Bank of Scotland and Commerzbank, took asimilar approach. Add in HSBC, too, which was not bailed out but which is running down aringfenced portfolio of consumer and housing loans in America, and the total bad-bankassets in these four firms alone amount to nearly 1 trillion dollar. 出售坏账资产仍是危机后银行业的一大重点。大部分危险债券和贷款仍滞留在银行的资产负债表上。例如，花旗集团在接受救助后，将自身资产分割为优质银行和坏帐银行以采取相应的方式去运作。五分之一的公司资产仍是高风险的，占资本要求的三分之一。其他两个受救助的银行，苏格兰皇家银行和德国商业银行，也采取了类似的做法。汇丰银行虽没受救助，但也仿效了此法，其在美国能用于消费和房贷投资组合的专款已经消耗殆尽。光是这四个公司的坏帐银行资产相加额都高达将近1万亿美元。 | 
