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Can I take your number? donde comprar stendra en mexico The thousand-page rulemaking includes updated risk-based capital rules. To finance its business, a bank needs money, which it can get by retaining the money it earns, raising money by selling shares or borrowing money. When you deposit money with a bank, the bank is borrowing from you, but banks can also borrow from other financial institutions. If the bank does well, depositors and other creditors get paid back, and the shareholders get to keep the profits. If the bank runs into trouble, depositors and other creditors are supposed to get paid back before shareholders get a dime.