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Speeches & Testimony

Donald E. Powell Chairman Federal Deposit Insurance Corporation on the Development of the New Basel Capital Accords Before the Committee on Banking, Housing, and Urban Affairs - Appendix A

Ranges of Minimum Required Capital (MRC) Changes for Various Credit Portfolios As Indicated by QIS-4 Results
Portfolio Average % Change in MRC Largest % Decline in MRC Largest % Increase in MRC
Corporate, Bank, Sovereign-22-8056
Small Business-27-8130
High-Volatility Commercial Real Estate -33 -60 110
Income-Producing Real Estate -41 -79 30
Aggregate Wholesale Credit -25 -80 56
Home Equity -74 -99 92
Residential Mortgage -61 -99 -18
Credit Card 66 -90 416
Other Consumer -7 -98 94
Retail Business -6 -100 204
Aggregate Retail Credit -26 -83 73
Equities 7 -94 78
Other Assets -12 -47 0
Securitization -18 -70 56
Change in Effective MRC -15 -47 56

 

Exhibit 2: Range of Minimum Required Capital (MRC) Changes for Wholesale Portfolios d

 

Exhibit 3: Range of Minimum Required Capital (MRC) Changes for Retail Portfolios d



Last Updated 11/10/2005 communications@fdic.gov