(i) The retail lending desires of its facility-based mostly assessment places, retail lending assessment parts, and outside retail lending space that happen to be lined via the approach. A bank that originates or purchases loans in an item line evaluated pursuant on the Retail Lending Examination in § 228.
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(B) For a big lender that had property fewer than or equal $10 billion as of December 31 in both of the prior two calendar several years and that operates no less than a single branch, the Board considers the lender's electronic shipping and delivery devices and other shipping and delivery programs with the lender's choice.
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For a large lender that had property bigger than $10 billion as of December 31 in the two from the prior two calendar several years, the Lender Nationwide Group Improvement Financial commitment Metric steps the dollar volume on the lender's Neighborhood advancement investments that advantage or provide all or Element of the nationwide region, excluding mortgage-backed securities, compared to the deposits during the financial institution situated in the nationwide area, calculated pursuant to paragraph II.m of appendix B to this part.
(B) The Nationwide Asset-Based mostly Local community Progress Financial investment Benchmark actions the dollar volume of community development investments that profit or provide all or Section of the nationwide area, excluding mortgage-backed securities, of all depository institutions that experienced property higher than $10 billion as of December 31 in the two from the prior two calendar years, compared to property for all those depository establishments, calculated pursuant to paragraph III.e of appendix B to this element.
The Board assigns a summary for that effectiveness of the intermediate financial institution evaluated pursuant to this section as supplied in appendices C and E to this component. In assigning conclusions for an intermediate bank, the Board might contemplate functionality context facts as furnished in § 228.21(d).
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The Board evaluates a financial institution's retail banking products and solutions supplied from the lender's facility-primarily based assessment parts and nationwide, as relevant, in the institution stage as follows: