May 20 (Reuters) - Government stress tests earlier this month found that 10 major U.S. banks
had capital shortfalls, of which nine have announced plans to raise capital. GMAC is the lone
holdout.

Below are the 19 banks that the government stress tested, the size of their capital shortfall
if any, and equity they have issued. Some banks plan to also raise capital by selling assets and
converting preferred shares into common stock.

Some banks raised capital even though the government did not find a shortfall. Those banks are
looking to position themselves to repay taxpayer money taken from the $700 billion Troubled Asset
Relief Program.

Corporate bond issuance does not count as equity capital, but issuing non-guaranteed debt
maturing in at least five years is a requirement for banks wishing to repay TARP money.

STRESS TEST

CAPITAL EQUITY NON GOV'T
COMPANY SHORTFALL OFFERED GUARANTEED

DEBT SOLD
American Express Co (AXP.N: Quote, Profile, Research) -- -- $ 3.00 bln
Bank of America Corp (BAC.N: Quote, Profile, Research) (1) $33.90 bln $13.47 bln $ 3.00 bln
Bank of New York Mellon Corp (BK.N: Quote, Profile, Research) -- $ 1.20 bln $ 1.50 bln
BB&T Corp (BBT.N: Quote, Profile, Research) -- $ 1.73 bln $ 800 mln
Capital One Financial Corp (COF.N: Quote, Profile, Research) -- $ 1.55 bln $ 1.00 bln
Citigroup Inc (C.N: Quote, Profile, Research) (1) $ 5.50 bln $ 2.00 bln
Fifth Third Bancorp (FITB.O: Quote, Profile, Research) (1) $ 1.10 bln $ 750 mln --
GMAC LLC (GKM.N: Quote, Profile, Research) $11.50 bln -- --
Goldman Sachs Group Inc (GS.N: Quote, Profile, Research) -- $ 5.00 bln $ 2.00 bln
JPMorgan Chase & Co (JPM.N: Quote, Profile, Research) -- -- $ 5.50 bln
KeyCorp (KEY.N: Quote, Profile, Research) (2) $ 1.80 bln $ 750 mln --
MetLife Inc (MET.N: Quote, Profile, Research) -- -- --
Morgan Stanley (MS.N: Quote, Profile, Research) $ 1.80 bln $ 4.00 bln $ 4.00 bln
PNC Financial Svcs Group (PNC.N: Quote, Profile, Research) (2) $ 600 mln
Regions Financial Corp (RF.N: Quote, Profile, Research) (1,3) $ 2.50 bln $ 1.25 bln --
State Street Corp (STT.N: Quote, Profile, Research) -- $ 2.00 bln $ 500 mln
SunTrust Banks Inc (STI.N: Quote, Profile, Research) (2) $ 2.20 bln $ 1.25 bln
U.S. Bancorp (USB_ph.N: Quote, Profile, Research) -- $ 2.50 bln $ 1.00 bln
Wells Fargo & Co (WFC.N: Quote, Profile, Research) $13.70 bln $ 8.60 bln --

Notes:
(1) Considering or planning to convert preferred stock into common stock
(2) Announced plans to raise equity capital, but not pricing of issuance
(3) Looking at issuing $250 million in securities that mandatorily convert to shares