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? we are now looking at that question and have an open mind on it. but in a way the more interesting thing the robot brought back to us was not these findings, but simply a clearer picture of what the gradient is for small firms which we are therefore publishing today for the first time. here it is : chart 1a : thresholds in uk prudential regulation, translated onto an assets / deposits basis ( deposit - takers ) all speeches are available online at www. bankofengland. co. uk / news / speeches chart 1b : thresholds in uk prudential regulation, translated onto an assets / deposits basis up to £50b ( deposit - takers ) sources : crr, bcbs, eba technical standards, pra rulebook, supervisory statements, and statements of policy. note : only includes thresholds that are either set using assets / deposits values, or can be translated into assets / deposits values. assumes average size of transactional accounts of £500. the y - axis corresponds to the number of thresholds below the £ value for assets / deposits on the x - axis. i ’ d like to know what people think about this gradient. to me, the basic gradient looks ok. it feels about right that most of the carve - outs are for firms below £50b in assets – once you reach that size, you are a fair - sized bank in a uk context and should expect to meet the great bulk of the rules. and within the £0 - 50b area the slope does not look particularly troublesome. but in the spirit of giving others sticks to beat us with, i invite views – particularly from small banks, who in my experience are not shy in offering us their perspectives. but one obvious thing we can do is to map the actual distribution of banks in the uk today against the distribution of thresholds, to see how the two compare. any sudden flattening of the cumulative distribution of banks at specific thresholds could suggest cliff - edge effects ( perhaps from clusters of thresholds ) that might have the potential to discourage banks from growing. all speeches are available online at www. bankofengland. co. uk / news / speeches needless to say, our tireless pra robot has done this too. here is what it looks like : chart 2a : uk prudential regulation thresholds mapped against number of banks by size ( deposit - takers ) chart 2b : uk prudential regulation