In the past, banks used to hold much less capital than they're required to today, because holding so little capital, being too efficient with it, is what made the banks so fragile in the first place.
No pasado, os bancos adoitaban dispor de moito menos capital do que se lles esixe hoxe, porque dispor de tan pouco capital, ser demasiado eficientes con el, era precisamente a causa da fraxilidade dos bancos.