Study paper from 2012 in the field of Business Administration - Banking, Stock Exchange, Insurance, Grade: 3.0, Scientific University Lahr, Language: German. Abstract: The aim of this paper is to present the regulatory capital of banks and to examine the impact of regulatory requirements on the current lending capabilities of German major banks in general, as well as through selected practical examples. In Chapter 2 of this paper, the fundamental terminology is first defined, and the regulatory capital and its significance in lending are explained in more detail. Chapter 3 presents the current regulations and future changes. In addition to changes in the requirements for future capital ratios, other influencing factors on the change in regulatory capital are also discussed here. Chapter 4 examines the effects of these changes on German major banks and outlines possible consequences for lending. A conclusion wraps up this paper in Chapter 5.