At present, the total assets of the bank are about 406 trillion yuan, and the capital is only 33 trillion yuan, which is equivalent to 12 times the leverage. Even if you add 1% of bad debts, that is, two Evergrande, the bank will have to replenish up to 12% of the capital, up to 4 trillion yuan. In 2022, the total profit of commercial banks across the country will only be 2.3 trillion yuan