Net interest income falls at both lenders even as fee and commission income buoy profit.
The ratings agency says that the increasing use of wholesale funding by smaller lenders poses a systemic risk.
China's president has been traveling the world to promote not just Chinese products but Chinese-run factories and big construction projects.
China's expansion of construction projects in other countries comes as it makes the transition from being an industrial powerhouse to a more consumer-oriented domestic economy.
European stocks paused for breath Tuesday, moving little as a eurozone emergency summit is deciding Greece's future.