IRA report shows US banks would require more capital under Basel II

Conversely, the report finds that medium-size and smaller financial institutions included in this analysis, which were not part of QIS 4, appear to require significantly less economic capital than the current minimum. This appears to be tied to the abnormally low levels of loan defaults observed throughout the banking industry over the past five years.

The summary metrics are based on data from the FDIC's research information service and aggregate all loan portfolios of the subsidiary banks

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