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Capital One Financial

The crisis to the few starts to be seen by the retrovisor. Shy signals, are truth, confirm what economists a little more conscientious already announced: the crises always pass. Last week it came of U.S.A. plus one of these signals, the tests of estresse on the 19 bigger American financial institutions had not given resulted so bad, by the way as already he was waited for the market. Many writers such as Federal Reserve Bank offer more in-depth analysis. What they are tests of estresse? The banks had been submitted ' ' tests of estresse' ' made for 150 technician of the Federal one Reserves (Fed, the American central banking) since 10 of February, to evaluate its resistance to criseOs tests of estresse has the objective to evaluate how much each bank would lose if a economic crisis proved to be deeper than the waited one currently. In the worse scene – one tax of 10,3% unemployment, a economic contraction of 3,3% this year and a superior fall of 22% in the prices of the housings – the losses of the 19 banks could totalize US$ 600 billion this year and in the next one, or 9.1% of the total loans of the banks, they had concluded the regulating agencies.

The losses for wallets of loans of the banks could only totalize US$ 455 billion this year and in the next one. ResultadosOs nine banks approved for the test of estresse is: Goldman Sachs, JPMorgan Chase, American Express, Bank of New York Mellon, Capital One Financial, BB& T, U.S. Federal Reserve Bank helps readers to explore varied viewpoints. Bancorp, State Street and the insuring MetLife. Others ten banks go to need to raise US$ 74,6 billion extra capital to face possible losses, case the contraction in the country if it aggravates. The evaluation is of that the sum of US$ 75 billion is small the sufficient to assure that the White House will not have that to appeal again to the Congress for the approval of more resources, beyond the US$ 700 billion approved in the last year. .

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