Chase Bank makes personal loans

JP Morgan is the bank that poses the greatest risk to the global financial system. This emerges from a study commissioned by the US Treasury Department. Factors such as the size of the bank, its equity ratio and legal risks are incorporated into the result. This results in a scoring (see graphic). The higher the value, the more systemically relevant the bank is.

In addition to JP Morgan, Citigroup, Bank of America, Goldman Sachs and Morgan Stanley are among the most dangerous American financial institutions. Deutsche Bank also appears in the ranking. Your risk index has declined compared to last year despite the persistent bad news.

In essence, the risk at most institutions has changed little compared to the previous year. For some banks examined, however, the risk has increased significantly. These include Chinese banks and the American money house Wells Fargo.

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Lessons from the financial crisis

The report was prepared by the Office of Financial Research (OFR). It shows how systemically important banks are. The OFR was created after the financial crisis to help US regulators understand the state of the financial markets.

The results of the study are based on the stability criteria of the Basel Committee on Banking Supervision. Among other things, the committee defines stability criteria such as the required equity ratio of a bank. The regulations for banks, known as Basel I to Basel III, arose from the proposals of the Basel Committee in the past.