The 4.5% is the baseline; subject to additional stress capital buffer (based on DFAST supervisory stress-test results) and systematically-important institution

The 4.5% is the baseline; subject to additional stress capital buffer (based on DFAST supervisory stress-test results) and systematically-important institution weighting. https://www.federalreserve.gov/publications/large-bank-capital-requirements-20210805.htm https://www.federalreserve.gov/publications/large-bank-capit... So JP Morgan is 11.2%; Citigroup is 10.5%; for example.