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Which statement is true regarding Common Equity Tier 1 capital?

A) Common Equity Tier 1 capital to risk-weighted assets must be 6% beginning January 1, 2015.

B) Preferred stock will make up the bulk of Common Equity Tier 1 capital because shareholders cannot force the bank into bankruptcy.

C) Common Equity Tier 1 capital has the least-stringent requirements for what constitutes capital.

D) To qualify as common shares that may be used for Common Equity Tier 1 capital, investors of the shares must have a residual claim to the assets.

答案：D

解析：Common Equity Tier 1 capital to risk-weighted assets must be 4.5% beginning January 1, 2015. Common stock plus retained earnings, not preferred stock, must make up the bulk of Common Equity Tier 1 capital. The requirements for Common Equity Tier 1 capital are the most-stringent, not the least-stringent. Investors of the common shares must have a residual claim to the assets.

Assume a bank determines credit risk-weighted assets (credit RWA) of $10 million, a market risk charge (MRC) of $300,000 and an operational risk charge (ORC) of $500,000. To meet Basel III requirements, the bank has determined it holds $2.0 million in eligible total (Tier 1 plus Tier 2) regulatory capital. What is the bank’s total capital ratio?

A) 5.0 %

B) 6.25%

C) 8.0%

D) 10.0%

答案：D

解析：10.0% RWA= $10,000,000 + $300,000 × 12.5 + $500,000 × 12.5 = $20,000,000 RWA; $2 MM / $20 MM = 10.0%

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