Talk:Capital requirement

message: It's baffling that nowhere in this article it's explained how regulators respond to undercapitalization or that ultimately a bank will be (should be?) foreclosed on for being undercapitalized/having negative equity.  — Preceding unsigned comment added by 209.150.57.105 (talk) 22:00, 21 March 2016 (UTC)
replies: text: To "baffle" means "to confuse so as to keep from understanding or solving; [to] puzzle; [to] confound...." Webster's New World Dictionary of the American Language, p. 104, World Publishing Co., Inc. (2nd Coll. Ed. 1978). So, it appears that you may be "confused, puzzled or confounded" by the fact that the article does not contain some relevant information you believe should be in the article. You should not be confused, puzzled or confounded. Many articles on many topics in many places (in Wikipedia and elsewhere) may seem to be incomplete to you, or to me, or to someone else. Wikipedia is maintained by unpaid volunteers. Wikipedia articles are generally works in progress -- not completed ones. If you want to improve the article, review Wikipedia's policies and guidelines and add information from reliable, previously published sources. Famspear (talk) 22:13, 21 March 2016 (UTC)
thread_title:  Consquences of Undercapitlaization 

message: The Citibank example showing "Components of Capital under Regulatory Guidelines" states numbers are in $million. The 2003 risk adjusted assets were $750,293. Seems a bit high ($750 trillion).192.26.212.72 (talk) 19:22, 25 April 2008 (UTC)
thread_title:  Citibank Assets 

message: I think some changed to the second paragraph about inflation adjustments etc should be clarified or changed. For example the "...has destroyed bank credit analysis departments" etc. Also the inflation adjustment explanation doesn't make any sense to me. If the bank has 10 equity, 90 deposits and 100 loaned out with a risk weight of 1.0 to simplify. Why would only the capital value be adjusted for inflation and not the lended out money? It doesn't make any sense. Is the loans in another currency than the capital? -- 16:30, 24 August 2007 (UTC)
thread_title:  Perhaps the tone should be adjusted slightly to sound more fair and balanced, and some unsensible concepts be clarified 

message: I think insurance companies have to adhere to capital requirements, too, but they seem to be excluded from this article.The sentence
:The capital requirement is a bank regulation, which sets a framework on how banks and depository institutions must handle their capital
could be replaced by
:The capital requirement is a regulation, which sets a framework on how banks, depository institutions and insurance companies must handle their capital.ML-Est 17:04, 24 June 2007 (UTC)
thread_title: Include insurance companies?

message: I think this is an excellent article.  Thanks to all those who contributed.  Wish there were more articles of similar quality.  Todd (talk) 19:12, 8 September 2008 (UTC)
thread_title:  Thanks 

message: "The 5 C's of Credit, Character, Cash Flow, Collateral, Conditions and Capital", - umm, isn't that 6 ?  —Preceding unsigned comment added by Mahutchinson (talk • contribs) 15:15, 26 March 2009 (UTC)
thread_title:  Too many Cs ? 

message: Is there any way to give at some point a simple definition in layman's term? (e.g. "Banks require that 8% capital to asset ratio", linking it to balance sheet and implications)
This simple explanation can serve the role of a "model": it does not reflect reality exactly, but permits an understanding for the uninitiated.
Thanks for the excellent work.  — Preceding unsigned comment added by 128.103.221.18 (talk) 05:56, 15 December 2011 (UTC)
thread_title:  Simple initial definition 

message: Support the March proposal to merge Minimum capital requirement to here, as that page is unreferenced and heavily overlaps in scope with this one. I also note that there was an unopposed 2015 proposal to do the same (see Talk:Minimum capital requirement#Minimum capital requirement vs Capital requirement). However, let's continue the discussion here. Klbrain (talk) 20:46, 11 September 2021 (UTC)
replies: text: Coming back to this, I note no referenced material on Minimum capital requirement, and that is has been tagged since 2013 for referencing. Given this, applying WP:TNT to that page and redirecting here (where the important content is covered already in a better manner). Klbrain (talk) 05:14, 1 September 2022 (UTC)
thread_title:  Merge proposal 

message: Could an editor well versed in this topic define a capital buffer in a section here or elsewhere? E.g. Domestic Stability Buffer is described as a "capital buffer" by a regulator. Cheers, Facts707 (talk) 10:21, 21 June 2023 (UTC)
thread_title:  "Capital buffer"