Assessing the Winners and Losers of the Ongoing Banking Crisis.

The recent banking crisis has revealed clear winners and losers. The largest banks, particularly JPMorgan, are the biggest winners, having put themselves in position to acquire failing banks and pick up the pieces. Regional banks with assets between $75 billion and $250 billion are the biggest losers, facing increased funding costs and a much tougher regulatory environment. The banking industry will undergo significant restructuring, with some banks combining to join the ranks of the largest banks, some shrinking through the sale of assets, and smaller banks consolidating to offset the high costs of regulation.