Charlottesville, Virginia (Vocus) 29 September 2010

A new analysis of SNL Financial shows that banks that have suffered in the last year? Stress tests, the government supports the loss rates much lower than expected under the Programa de Capital Monitoring Assessment? s â? more scenario.â page? In the first half of 2010, total net charge-offs for the 19 largest banks in the assumptions behind the entire loan losses in the stress tests on pro rata basis of approximately 2.05 billion, or 33.9%.

According to SNL has the largest gap in more first-rate mortgages, which followed losses of 0.34 billion, or 63% less than in proportion to the assumptions SCAP followed, commercial properties are at 0.49 billion, or 49% below the estimate. The only area in which the banks exceeded the assumptions of the loss was credit cards, with five colleges ratios than expected losses.

SNLA? s analysis also shows that under the stress tests were also able to mitigate the expected loss of revenue at a faster rate than under the PAP. Banks pre-tax pre-provision net income exceeds the assumptions of 0.72 billion euros, or nearly 30% of the forecasts. SNL data shows that banks could reduce their budgets. Although stress testing has been assumed that the risk-weighted assets of the banks balance sheets expected to be stable until 2010, the median decrease in risk-weighted assets organs almost 11% compared to 2008 in the first half-year end of 2010.

â? In the past year? s stress-testing to ensure that the largest banks in the United States would have sufficient capital to a severe recession, have weather? JP said osteoarthritis? Sullivan, Assistant Director of Financial Services SNL. â? The latest agreements Basel III call for higher capital requirements standards, but as the stress tests to strengthen to about half of the largest banks in the United States, its capital, the exercise helped to make so that the institutions well enough and in some cases more than sufficient capital to comply with capital> new standards.It ????

This data is with a subscription to SNL Unlimited service information available to financial institutions. For more information, call sales (at) SNL (dot) com or 866.296.3743.

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