Capital Markets Examiner School, Providence, RI

Large Banks

 Regional and national banks with greater than $10 billion in total assets

 Large Banks have many names  SIFIs, G-SIBs, FBO, CCAR banks etc.

 Regulations, largely in the capital and liquidity environments, trigger new sets of regulatory requirements and acronyms and drive these classifications

Large Banks

 Strategic decisions and balance sheet structures at larger banks have a much higher degree of flexibility due to shear size.  Banks above $50 billion are fairly well-established and attuned to the regulatory structures and have accommodated for them in their regulatory approach.  The mid-sized regionals ($10-50 billion) can be the most interesting and evolving entities as they work through the potential of crossing into higher reporting requirements and enhanced prudential standards.