This technology allows users to use these products even in write intensive applications by overprovisioning the drive storage to provide higher endurance (that is buying a SSD with more capacity than needed for the application and using this extra storage capacity to create a longer endurance product).
However, as we consider ways to strengthen the system for the future in light of what we have learned over the past year, we should critically examine capital regulations, provisioning policies, and other rules applied to financial institutions to determine whether, collectively, they increase the procyclicality of credit extension beyond the point that is best for the system as a whole.
We expect Citigroup to increase its dividend payouts substantially over the next few years as the bank recovers from the economic slowdown and boosts its capital provisioning.