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Is it a good idea for banks to have excess capital? Why or why not? 

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After analyzing the current scenario, it can be said that having excess capital is a good idea. Post review of Dodd-Frank Act, there can be policies which can favor the investors, but there are other regulatory conditions which can balance the scenario. As of now, there is no requirement for capital laid down in the Dodd-Frank Act, but in case the limit 

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