(The ratio for the major banks fell from 10.6 per cent to 9.8 per cent over the past year, for the regionals from 12.4 to 10.8 per cent, and for foreign banks from 15.1 to 14.8 per cent.) • Securitisation of bank assets has increased as a means of reducing required capital, or freeing it up for other uses.
12 / 17  BIS central bankers' speeches  Comprehensive credit reporting Comprehensive credit reporting will provide more information to lenders about the credit history of potential borrowers. The current standard only makes negative credit information publicly available.