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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
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Ranges of Minimum Required Capital (MRC) Changes for Various Credit Portfolios As Indicated by QIS-4 Results
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| Portfolio |
Average % Change in MRC |
Largest % Decline in MRC |
Largest % Increase in MRC |
| Corporate, Bank, Sovereign | -22 | -80 | 56 |
| Small Business | -27 | -81 | 30 |
| 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 |
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