But for some banks, and likely the Treasury Department, the money can't be returned soon enough.
For some banks, the combined issuance of asset-backed securities and commercial paper (short-dated securities) amounted to about half of all their loans.
Banking analysts also say a recent relaxation of so-called Basel III banking regulations might ease the need for some banks to unload real-estate assets right away.
WSJ: Sales Pace Picks Up for Troubled European Property Assets
As it happens, the stress-test results imply that if a default were confined to Greece, it would be painful for some banks but not devastating for the integrity of the European financial system.
BBC: Stress-test message to banks: Prepare for possible Greek default - BBC News
The boss of one European bank thinks the Basel rules will cause borrowers to move away from banks and into bond markets, boosting debt-origination business for some investment banks.
Despite the considerable strengthening of capital positions compared to the levels of 2008-2009, European banks have recently experienced market funding difficulties resulting amongst others from stress on wholesale liquidity markets, high spreads in secondary markets, and, for some EU banks, growing difficulties in accessing funding from U.S. counterparties.
The deal will result in some big losses for Greek banks and some of them may have to be nationalised on a temporary basis.
On June 6th the European Commission took the first steps towards this with a proposed framework for dealing with failing banks that includes plans for sharing some of the costs of recapitalising cross-border banks.
The BBC's Chief Political Correspondent Norman Smith said he sensed the government was "backing off" implementing any changes for some time and the banks would be given the "breathing space" they have been calling for to build up their financial strength after the 2008 crisis.
Yet loans that are not actively traded account for some 60% of British banks' balance sheets, for instance, according to a Bank of England paper on fair value.
This means that while the worst might be over for banks in Singapore, things are only now starting to get bad for some of the Hong Kong banks.
The business is so tempting for some that the big banks jumped in.
This will inevitably mean bad news for the banks when some of these loans eventually turn bad.
Fitch Ratings has recently cut its ratings for banks and some airports.
The first is a "sloppiness" that resulted in the fact that PPI was making money for banks and some of their salespeople.
In particular, it should set a formal inflation target, as is done for some other independent central banks, such as the Bank of England.
The Federal Reserve is not an agency that likes to surprise the markets but its proposed rule on bank capital ratios is throwing some banks for a loop.
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The super senior tranches did have some attractions for banks.
Chinese and Southeast Asian investment banks are fighting especially hard for market share, while some French banks are switching their focus to Asian bond markets, away from Europe where activity is slow.
For some of the larger banks in countries such as Germany, keeping out of the bond market is a matter of choice, said Keval Shah, head of the bond-syndication desk for financial companies at Citigroup Inc.
Still, unless the central bank is prepared to stand behind the banks for ever, some will have to fall by the wayside as both foreign and bigger Nigerian banks sweep up the vast potential market for deposits and mortgages.
ECONOMIST: The hard task of reforming Nigeria's banking system
So I think for both consumers and community banks, some simplification could be really very helpful for this new consumer agency.
Some banks, for example, have begun offering two-factor authentication, but many more have not.
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The 25-employee firm with headquarters in Mooresville, North Carolina, has solved problems for hundreds of banks including some of the largest in the world.
There are some bright spots for banks these days though including improved ability to handle risks thanks to their larger capital and liquidity buffers.
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Stocks initially declined on Friday in response to the weaker-than-expected jobs report, uninspiring testimony from Mr. Bernanke (who may have been talking his QE2 book), and some bad news for the banks from Massachusetts.
It may make sense for banks to be allowed some degree of financial protection, or insurance, against changing economic conditions.
Central banks have expected for some time that the millennium will bring pressure on liquidity, as individuals and companies stockpile cash.
Certainly the signal is that the bottom certainly has not been found on Wall Street, and for that matter some of the European banks as well.
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