Toxic AssetsBanks' books are still filled with troubled loans. Citi CEO Vikram Pandit wants to offload some $182 billion in risky assets.

Capital NeedsRegulators are pushing banks to maintain a big cushion to protect against losses, money they might otherwise use to make fresh loans.

Limited PowerWith the big banks paying back TARP funds, the U.S. doesn't have the same leverage to influence strategy.

Data: Bloomberg BusinessWeek

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