The report released by the Federal Reserve in the 7th, the last stress tests of 18 large U.S. bank holding companies, only a joint auto finance company (Ally Financial) failed to pass the test. The test set of assumptions under extreme conditions "pass line" of the minimum capital adequacy ratio of 5%, the United Automotive Finance Corporation (IFC) is only 1.5%.

Assuming extreme environments, Goldman Sachs, the minimum capital adequacy ratio was 5.8%, 5.7% Morgan Stanley, JP Morgan Chase 6.3% 6.8% Bank of America, Citigroup 8.3%.

Stress tests in 2013, the Fed hypothetical extreme scenarios including the U.S. unemployment rate reached 12.1%, the stock market fell more than 50%, and prices fell 20% as well as several of the largest trading institutions faced severe market shocks. In this hypothetical case, the 18 bank holding companies are expected to total losses of $ 462 billion in nine quarters, the overall level of ordinary capital ratio fell to 7.7% from the third quarter of 2012, 11.1% of the actual level, but still higher than the 5.6% level by the end of 2008.