The 2009 Banking Agenda: Interview with Doug Johnson of the American Bankers Association. Johnson is Vice President of Risk Management Policy. Johnson: “We are in very unusual times. The big story is kind of the over-arching fact that we are in unchartered territory” Johnson: Banking as a definition gets written large when people talk about banks, particularly in the media. They tend to lump everything in there, investment banks, etcetera, mortgage banks. The ABA continues to stress that more than 92% of our banks are what is defined by the regulatory agencies as well capitalized. That’s the highest definition or level of capital you can have from a regulatory standpoint.”]