Regulations Governing the Capital Adequacy and Capital Category of Banks Article 8
The minimum ratio of regulatory capital to risk-weighted assets of a bank specified in Article 44of the Act refers to regulatory capital adequacy ratio. The classification standard of capital categories are as follows:1. "Adequate Capital" means the capital adequacy ratio meets the regulatory capital adequacy ratio.2. "Inadequate Capital" means the capital adequacy ratio does not meet the regulatory capital adequacy ratio.3. "Significantly Inadequate Capital" means the total capital adequacy ratio is 2% or higher but under 8.5%.4. "Seriously inadequate capital" means the total capital adequacy ratio is less than 2%. A bank whose net-worth to total assets is less than 2% shall be deemed as having seriously inadequate capital.When a bank’s capital category meets more than two categories at the same time in accordance with the classification standards in the preceding paragraph, the lower grade will be regarded as its capital grade.
中文原文 銀行資本適足性及資本等級管理辦法第8條
本法第四十四條所稱銀行自有資本與風險性資產之比率，不得低於一定比率，係指不得低於法定資本適足比率，其資本等級之劃分標準如下：
一、資本適足：指符合法定資本適足比率者。
二、資本不足：指未達法定資本適足比率者。
三、資本顯著不足：指資本適足率為百分之二以上，未達百分之八點五者。
四、資本嚴重不足：指資本適足率低於百分之二者。
銀行淨值占資產總額比率低於百分之二者，視為資本嚴重不足。
銀行資本等級依前項劃分標準，如同時符合兩類以上之資本等級，以較低等級者為其資本等級。
一、資本適足：指符合法定資本適足比率者。
二、資本不足：指未達法定資本適足比率者。
三、資本顯著不足：指資本適足率為百分之二以上，未達百分之八點五者。
四、資本嚴重不足：指資本適足率低於百分之二者。
銀行淨值占資產總額比率低於百分之二者，視為資本嚴重不足。
銀行資本等級依前項劃分標準，如同時符合兩類以上之資本等級，以較低等級者為其資本等級。