其中第一个行动的是北德地方银行，它本周宣布了将混合资本转换为权益的计划。

Among the first out of the gate is NordLB, which announced plans this week to convert hybrid capital into equity.

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分析家们说，主要信用卡发卡行(如花旗集团，美国银行，摩根大通和第一资本金融公司)的利润将会因该条例草案受损。

Analysts said the profits of major card issuers such as Citigroup, Bank of America, JPMorgan Chase and Capital One would be hurt by the bill.

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第一，净损失直接侵蚀银行的资本。

First, net losses eat directly into capital.

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