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Jiang Jianqing, chairman of ICBC (1398), the world's largest bank, said its bad loan ratio is ``excessively good'' but is bound to rise as more credit is extended to riskier small and medium-sized enterprises.mini storage ``The world seems to think that Chinese banks have to keep their bad loan ratio at less than 1 percent and that we have to keep lowering it year after year. Can we really cut it to zero? That's not economical儲存y possible,'' Jiang told the Financial Times. Industrial and Commercial Bank of China's bad loan ratio edged up 0.06 percentage points to 0.91 percent as of September 30 from a year back and the non-performing loan balance hit 87.4 billion yuan (HK$111.2 billion), up 17 percent from last December 31. Jiang said an accelerated pace of interest rate liberalization posed another challenge to mainland banks. GRACE CAO 迷你倉