Applying all these properly, without any major issues, means the banks have a certain amount of capital," he said. "Frankly, whether you move that up by half-a-percentage point, or 1 percentage point, it does not solve the sovereign crisis that is driving all these calls for capital increases." Now-nationalized Franco-Belgian bank Dexiahad suffered a liquidity crisis rather than a capital one, according to Dichtl. "Dexia so far is not insolvent. The thing that triggered Dexia was a liquidity shortfall.