On the face of it, most big US banks have amassed enough capital to satisfy Basel III. On Tuesday, the Federal Reserve released details of the new capital rules, which will be implemented in January. Banks need to hold a minimum ratio of 7 per cent core tier one equity to risk-weighted assets, phased in over five years. Those active internationally have to hold an extra buffer of up to 2.5 per cent of RWAs. The worst crisis-hit banks, such as Bank of America and Citigroup, are already more or less there. JPMorgan and Wells Fargo are only a bit shy, with 8.9 and 8.4 per cent, respectively.
表面上，美國大多數大銀行已有足夠資本滿足巴塞爾協議III(Basel III)的規定。週二，美聯準(Federal Reserve)公佈了新的資本規則細節，將從1月開始實施。銀行須持有相對於風險加權資產至少7%的股本，在五年期間分階段逐步實現。那些活躍於全球的銀行須持有額外緩衝，最高達風險加權資產的2.5%。受金融危機打擊最重的銀行，如美國銀行(Bank of America)和花旗集團(Citigroup)，都已大致達到這一要求。摩根大通(JPMorgan)和富國銀行(Wells Fargo)略低於要求，分別爲8.9%和8.4%。