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ABA: The American Bankers Association

ABA Statement on Bank Stress Test Results

“The latest stress test results from the Federal Reserve confirm the health and strength of the U.S. banking system, and they demonstrate that the nation’s largest banks could weather a severe global recession and still serve their customers and communities. This year’s test was one of the toughest since the Federal Reserve began stress testing in 2009, and included a jump in the unemployment rate to 10 percent. Even under this extreme and unlikely scenario, the results show banks would still hold more than enough capital to continue to fund the economy.

“We appreciate that regulators continue to evolve the stress testing framework to better tailor the program to an institution’s risk and business model, while further integrating stress testing into the regular bank supervisory process. These changes make stress testing more valuable to both regulators and banks. We believe stress testing can be further enhanced by completing the stress capital buffer, which will simplify the large bank capital rules while preserving strong capital levels.”


About the American Bankers Association

The American Bankers Association is the voice of the nation’s $22.5 trillion banking industry, which is composed of small, regional and large banks that together employ more than 2 million people, safeguard $18 trillion in deposits and extend nearly $11 trillion in loans.

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Ian McKendry

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