bankingindustry. This goal is served by taking a broad view of thepayments business and analyzing information provided bylarge bank …

information that can be obtained onlythrough on-site examinations, such as confidential informationabout a bank’s troubled assets … or the examiner’sassessment of a bank’s internal controls. Changes over timein the quality of the examination information … length of time between bank examinations affects thequality of information available to supervisors. For thesepurposes, we …

[...]The most obvious possible, and undesirable,impact on bank behaviour of risk-weighted capital requirementsis that … excessive differentials in the weights appliedto different categories of assets might induce banks to substituteaway from highly … risk-weighted assets. In the early1990s, U.S. banks shifted sharply from corporate lendingto investing in government …

bank’s portfolio can be examined.[...] …[...]This paper examines the impact that the PCAstandards had on bank portfolios following the passage ofFDICIA in 1991 … (1997) to study the impactof risk-based capital, is used to examine how PCA simultaneouslyinfluenced bank capital ratios and …