Enviado: 2/11/2008 23:42Obrigado
Core Tier 1 Capital -- This is the ratio common equity in the bank plus retained earnings minus dividends and accumulated losses to the risk-adjusted assets of the bank. This is the strictest ratio and to be considered well-capitalized, the ratio needs to be greater than 6% to satisfy one of the requirement.
Tier 1 Capital -- This is the ratio of Core Tier 1 Capital plus non-redeemable (meaning no one has the right to demand the capital bank) capital such as non-redeemable preferred shares and loan loss reserves to the risk-adjusted assets of the bank.
This is the ratio that the financial press quotes most often.
otal Capital Ratio -- This is the most generous ratio and consists of all sorts of additional capital sources (see the link above for a description of the supplemental capital items that can be added) divided by the risk-adjusted capital.
To be considered well-capitalized, banks must have a Total Capital ratio greater than 10% as well a Core Tier 1 greater than 6%.
http://en.wikipedia.org/wiki/Capital_requirements