Banco Santander appears adequately capitalized, with a Tier I capital ratio of 10.8%.

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Adequately capitalized means that the company has sufficient assets to back up the business that it is conducting, and the debts that it is incurring.

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If you have a small business, it would not be the worst thing to do to consult with your attorney or CPA to determine if it is adequately capitalized, at least if the business has potential creditor worries.

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