Emerging Practices for Capital Adequacy © Copyright 2003, CCRO. All rights reserved. 48 Table 7: Example of Capital Adequacy Disclosure Drawn from the Banking Industry 800 800 Capital in excess of Required Economic Capital 2,200 2,200 Total Required Economic Risk Capital (800) (800) Diversification Effect 1,000 1,000 Operating Risk 1,000 1,000 Market Risk 1,000 1,000 Credit Risk Required Economic Capital: 3,000 3,000 Common Stockholders ’ Equity 2000 2001 December 31 (in millions) Available versus required capital* ’ Note: Sample table from bank annual report. Categories and numbers shown in table are illustrative and not intended tie directly to those put forth in this white paper.