Some 150 banks with assets of $926 billion have capital ratios between 3 and 6 percent.
A big enough increase in required capital ratios is not conceivable.
Not to mention how it might affect the capital ratios.
The accord requires banks to increase their capital ratios when they face greater risks.
The company also plans to improve its debt to capital ratio further, to 0.5.
But constraints on bank lending have more to do with capital ratios, not the cost of funds.
If it spent all that money, capital ratios would fall too low.
The Federal agency said that capital ratios of the nation's credit unions averaged 9.8 percent.
Can see where you are coming from and increasing capital ratios at the banks is a good idea.
But capital ratios are a pretty poor idea, when everything is working fine.