The study did not try to estimate an optimal level of capital but a 2015 Bank of England paper maps this analysis into a desirable range of 16 to19%,22 while an earlier paper puts this range at 15 to 20%.23 Recently, Jordá, Richter, Schularik and Taylor (2017) 24 illustrate that RWCR are not good predictors of bank crises and recall that in the 1920s, the capital ratios above 20% did not prevent the host of bank failures in the Great Depression.
On an average, 60–65% of the employees are invariably covered every year under some or the other training programme, though there are also banks that post an achievement rate as high as 85–90%. On the other side of the spectrum are a few banks which have been able to train not more than 37–40% of their workforce in a given year.