Capital Adequacy Tier - Total Capital Ratio % is the ratio of a bank’s total capital, which includes both Tier 1 capital and Tier 2 capital, to its total risk-weighted assets. It is used to protect depositors and promote the stability and efficiency of financial systems around the world.
LendingClub's Capital Adequacy Tier - Total Capital Ratio % for the quarter that ended in Mar. 2023 was 16.90%
, which is higher than
15.10% for the pervious quarter ended in Dec. 2022.
LendingClub's Capital Adequacy Tier - Total Capital Ratio % for the annual that ended in Dec. 2022 was 15.10%
, which is higher than
0.00% for the pervious year ended in Dec. 2021.
The historical rank and industry rank for LendingClub's Capital Adequacy Tier - Total Capital Ratio % or its related term are showing as below:
LC's Capital Adequacy Tier - Total Capital Ratio % is not ranked *
in the Credit Services industry.
Industry Median: * Ranked among companies with meaningful Capital Adequacy Tier - Total Capital Ratio % only.
LendingClub Capital Adequacy Tier - Total Capital Ratio % Historical Data
The historical data trend for LendingClub's Capital Adequacy Tier - Total Capital Ratio % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
* Premium members only.
LendingClub Annual Data
Trend
Dec21
Dec22
Capital Adequacy Tier - Total Capital Ratio %
LendingClubQuarterly Data
Trend
Jun21
Sep21
Dec21
Mar22
Jun22
Sep22
Dec22
Mar23
Capital Adequacy Tier - Total Capital Ratio %
Competitive Comparison
For the Credit Services subindustry, LendingClub's Capital Adequacy Tier - Total Capital Ratio %, along with its competitors' market caps and Capital Adequacy Tier - Total Capital Ratio % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
LendingClub (NYSE:LC) Capital Adequacy Tier - Total Capital Ratio % Calculation
Capital Adequacy Tier - Total Capital Ratio % is calculated as
Capital Adequacy Tier - Total Capital Ratio %
=
Total Capital
/
Total Risk Weighted Assets
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
LendingClub (NYSE:LC) Capital Adequacy Tier - Total Capital Ratio % Explanation
A bank’s total capital includes Tier 1 capital and Tier 2 capital. Tier 1 capital, or core capital, consists of common stock, retained earnings, accumulated other comprehensive income, noncumulative perpetual preferred stock and any regulatory adjustments to those accounts. Tier 1 capital is the capital that is permanently and easily available to cushion losses suffered by a bank without it being required to stop operating.
Tier 2 capital consists of unaudited retained earnings, unaudited reserves and general loss reserves. It is used to absorb losses if a bank loses all its Tier 1 capital, so it provides a lesser degree of protection to depositors and creditors.
Capital Adequacy Tier - Total Capital Ratio % measures the ratio of a bank’s total capital to its total risk-weighted assets. The minimum requirement for the total capital ratio is 10.5% under Basel III standards. This requirement is critical because it makes sure that banks have enough cushion to absorb a reasonable amount of losses before they become insolvent.
LendingClub Capital Adequacy Tier - Total Capital Ratio % Related Terms
Thank you for viewing the detailed overview of LendingClub's Capital Adequacy Tier - Total Capital Ratio % provided by GuruFocus.com. Please click on the following links to see related term pages.
LendingClub Corp is a company engaged in operating an online lending marketplace platform that connects borrowers and investors for the provision of the loan facility. It offers investors access to an asset class that has generally been closed to many investors and only available on a limited basis to institutional investors. The company through the platform offer loan products such as personal, education and patient finance, small business and auto to interested investors. It generates a majority of the revenue from the transaction fees received from the platform's role in accepting and decisioning applications on behalf of the bank partners to enable loan originations.
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