U.S. Financial Industry: Safer and Stronger

Partnership U.S. financial industry: Safer and Stronger fore secure firancial tuture Banks continue to raise capital, reduce risk and increase lending Cash on hand rises to new highs improving the ability to meet unexpected funding needs US commercial banks continue to reduce their holdings of risky Total loans made to U.S. businesses increased to more than $2T assets Cash on hand as a percent of total liabilitios 2012 23% Risk-weighted assuts as a percent of total assots for US banks Total domestic business loans for US banks, in trillion of dollar 80% $2T $2.0T 20% X3 2007: -10% 15% 70% S1.5T 10% 2007 2012 67% 5% Business 60% $1.0T 2000 2012 2001 2012 2000 2012 "The U.S. banking system is far stronger now than before the 2007-09 financial On causes of previous financial crises: "If history is any guide, it hasn't often been the result of speculative bets." "IRisk indicators] present a picture of a banking system that has become healthier and more resilient." crisis..." Robert J. Samuelson, Washington Post Andrew Ross Sorkin, New York Times Ben Bernanke, Federal Reserve Chairman 2-ai 2012 "FO SIL Financial 1nteratbangalanca- (Total Securitiaci Fad Fundr Sold Ravea Hapt -Fad Funde Putetanie Hapor)-ifadged Surtiac/Tatd Liabiltie www.ourfinancialfuture.com