How does each of the following actions impact the banks risk levels, balance sheet, capital requirements and equity ratios?

a. The bank shifts its business development efforts from making loans to focus on off balance sheet, fee driven services?

b. The bank shifts emphasis from commercial and industrial (C&I) business lending to commercial mortgage lending?

c. The bank shifts decides that all new loans will be floating rate, not fixed rate loans?

d. The bank decides to securitize all of its auto, credit card and mortgage loans which it used to keep on its own balance sheet.