Bloomberg reported lenders are loading up on capital to pass the European Central Bank’s balance-sheet exam on Oct. 26, while some of it will count for nothing four years from now.

According to Bloomberg , the ECB has spent a year pouring over the books of 130 of the euro area’s largest lenders in a comprehensive assessment intended, as President Mario Draghi put it, to “bolster confidence” in the banks. Yet the ECB’s rigor may be partly undermined by the test’s basic measure, the European Union’s capital rules, Bloomberg added.

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