---
kind: "section"
citation: "12 C.F.R. § 252.5"
title: "12"
number: "252.5"
heading: "Categorization of banking organizations."
url: "https://uscodex.org/cfr/12/252.5"
---

# §252.5. Categorization of banking organizations.

- (a) **General.**
  - (1) A U.S. bank holding company with average total consolidated assets of $100 billion or more must determine its category among the four categories described in [paragraphs (b) through (e)](#b..e) of this section at least quarterly.
  - (2) A U.S. intermediate holding company with average total consolidated assets of $100 billion or more must determine its category among the three categories described in [paragraphs (c) through (e)](#c..e) of this section at least quarterly.
  - (3) A foreign banking organization with average total consolidated assets of $100 billion or more and average combined U.S. assets of $100 billion or more must determine its category among the three categories described in [paragraphs (c) through (e)](#c..e) of this section at least quarterly.
- (b) **Global systemically important BHC.** A banking organization is a global systemically important BHC if it is identified as a global systemically important BHC pursuant to [12 CFR 217.402](/cfr/12/217.402.md).
- (c) **Category II.**
  - (1) **A banking organization is a Category II banking organization if the banking organization—**
    - (i) **Has—**
      - (A) (1) For a U.S. bank holding company or a U.S. intermediate holding company, $700 billion or more in average total consolidated assets;

        (2) For a foreign banking organization, $700 billion or more in average combined U.S. assets; or

      - (B) (1) $75 billion or more in average cross-jurisdictional activity; and

        (2)(i) For a U.S. bank holding company or a U.S. intermediate holding company, $100 billion or more in average total consolidated assets; or

        (ii) For a foreign banking organization, $100 billion or more in average combined U.S. assets; and

    - (ii) **Is not a global systemically important BHC.**
  - (2) After meeting the criteria in [paragraph (c)(1)](#c-1) of this section, a banking organization continues to be a Category II banking organization until the banking organization:
    - (i) **Has—**
      - (A) (1) For a U.S. bank holding company or a U.S. intermediate holding company, less than $700 billion in total consolidated assets for each of the four most recent calendar quarters; or

        (2) For a foreign banking organization, less than $700 billion in combined U.S. assets for each of the four most recent calendar quarters; and

      - (B) Less than $75 billion in cross-jurisdictional activity for each of the four most recent calendar quarters;
    - (ii) **Has—**
      - (A) For a U.S. bank holding company or a U.S. intermediate holding company, less than $100 billion in total consolidated assets for each of the four most recent calendar quarters;
      - (B) For a foreign banking organization, less than $100 billion in combined U.S. assets for each of the four most recent calendar quarters; or
    - (iii) **Meets the criteria in paragraph (b) to be a global systemically important BHC.**
- (d) **Category III.**
  - (1) **A banking organization is a Category III banking organization if the banking organization—**
    - (i) **Has—**
      - (A) (1) For a U.S. bank holding company or a U.S. intermediate holding company, $250 billion or more in average total consolidated assets; or

        (2) For a foreign banking organization, $250 billion or more in average combined U.S. assets; or

      - (B) (1)(i) For a U.S. bank holding company or a U.S. intermediate holding company, $100 billion or more in average total consolidated assets; or

        (ii) For a foreign banking organization, $100 billion or more in average combined U.S. assets; and

        (2) At least:

        (i) $75 billion in average total nonbank assets;

        (ii) $75 billion in average weighted short-term wholesale funding; or

        (iii) $75 billion in average off-balance sheet exposure;

    - (ii) Is not a global systemically important BHC; and
    - (iii) **Is not a Category II banking organization.**
  - (2) After meeting the criteria in [paragraph (d)(1)](#d-1) of this section, a banking organization continues to be a Category III banking organization until the banking organization:
    - (i) **Has—**
      - (A) (1) For a U.S. bank holding company or a U.S. intermediate holding company, less than $250 billion in total consolidated assets for each of the four most recent calendar quarters; or

        (2) For a foreign banking organization, less than $250 billion in combined U.S. assets for each of the four most recent calendar quarters;

      - (B) Less than $75 billion in total nonbank assets for each of the four most recent calendar quarters;
      - (C) Less than $75 billion in weighted short-term wholesale funding for each of the four most recent calendar quarters; and
      - (D) Less than $75 billion in off-balance sheet exposure for each of the four most recent calendar quarters; or
    - (ii) **Has—**
      - (A) For a U.S. bank holding company or a U.S. intermediate holding company, less than $100 billion in total consolidated assets for each of the four most recent calendar quarters; or
      - (B) For a foreign banking organization, less than $100 billion in combined U.S. assets for each of the four most recent calendar quarters;
    - (iii) Meets the criteria in [paragraph (b)](#b) of this section to be a global systemically important BHC; or
    - (iv) **Meets the criteria in paragraph (c)(1) of this section to be a Category II banking organization.**
- (e) **Category IV.**
  - (1) **A banking organization is a Category IV banking organization if the banking organization—**
    - (i) Is not global systemically important BHC;
    - (ii) Is not a Category II banking organization;
    - (iii) Is not a Category III banking organization; and
    - (iv) **Has—**
      - (A) For a U.S. bank holding company or a U.S. intermediate holding company, average total consolidated assets of $100 billion or more; or
      - (B) For a foreign banking organization, average combined U.S. assets of $100 billion or more.
  - (2) After meeting the criteria in [paragraph (e)(1)](#e-1), a banking organization continues to be a Category IV banking organization until the banking organization:
    - (i) **Has—**
      - (A) For a U.S. bank holding company or a U.S. intermediate holding company, less than $100 billion in total consolidated assets for each of the four most recent calendar quarters;
      - (B) For a foreign banking organization, less than $100 billion in combined U.S. assets for each of the four most recent calendar quarters;
    - (ii) Meets the criteria in [paragraph (b)](#b) of this section to be a global systemically important BHC;
    - (iii) Meets the criteria in [paragraph (c)(1)](#c-1) of this section to be a Category II banking organization; or
    - (iv) **Meets the criteria in paragraph (d)(1) of this section to be a Category III banking organization.**

## Notes

### Amendments

[84 FR 59099, Nov. 1, 2019]

### Source

Source: Reg. YY, 79 FR 17315, Mar. 27, 2014, unless otherwise noted.

### Authority

Authority: 12 U.S.C. 321-338a, 481-486, 1467a, 1818, 1828, 1831n, 1831o, 1831p-1, 1831w, 1835, 1844(b), 1844(c), 3101 et seq., 3101 note, 3904, 3906-3909, 4808, 5361, 5362, 5365, 5366, 5367, 5368, 5371.

### Source

Source: 77 FR 62391, Oct. 12, 2012, unless otherwise noted.

### Amendments

[84 FR 59099, Nov. 1, 2019]