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Figure 1: Aggregate Bank Capital and Liquidity
30%

15%

20%

10%

10%

5%
TCE/Assets (%) (RHS)
TCE/RWA (%) (RHS)
Net Liquid Assets/Assets (%) (LHS)
3Q16

3Q15

3Q14

3Q13

3Q12

3Q11

3Q10

3Q09

3Q08

3Q07

3Q06

3Q05

3Q04

3Q03

0%
3Q02

0%

Source: FR Y-9C.
Notes: TCE (tangible common equity), RWA (risk-weighted assets). Data are weighted averages of U.S. owned BHCs >$50bn as of 3Q16,
unadjusted for mergers. Net Liquid Assets include Cash, Fed Funds Sold, Netted Reverse Repo, Treasuries, Agency Debt, Agency MBS held to
maturity and available for sale, less related pledged securities.

Figure 5: Revenue Trends for U.S. BHC Sample
Standard Deviation of Net-Interest Income (LHS)
Standard Deviation of Non-Interest Income (LHS)
Net-Interest Income % Total Net-Revenue (RHS)

0.4

60%

3Q16

3Q15

3Q14

3Q13

3Q12

3Q11

3Q10

3Q09

40%
3Q08

0
3Q07

45%

3Q06

0.1

3Q05

50%

3Q04

0.2

3Q03

55%

3Q02

0.3

Source: Company Filings.
Notes: 4-quarter rolling standard deviation calculated on the year-over-year percent change per revenue source, and represents the median firm
per period. Net II % of Net-Revenue is the median ratio per period on a 4-quarter rolling basis. BHC Sample is a cohort of U.S. owned BHCs with
>$50bn in assets as of 3Q16, merger adjusted since 2000 to include major banking and non-banking operations.

Figure 7: Lending and Net-Interest Income Trend
60%

3.5%
Loans/GDP (%) (LHS)
Net-Interest Income/GDP (%) (RHS)

Source: All Insured FDIC Institutions, Haver
Notes: Quarterly net-interest income annualized

3Q16

3Q14

3Q12

3Q10

3Q08

3Q06

3Q04

3Q02

3Q00

3Q98

3Q96

3Q94

2.0%
3Q92

30%
3Q90

2.5%

3Q88

40%

3Q86

3.0%

3Q84

50%