Banks that had less cash on hand and borrowed more money before the global financial crisis were more likely to fail. Risky behavior by banks also increased the chances of failure. Smaller banks focused on one country were at higher risk of running out of cash, while big banks operating in multiple countries were more likely to fail due to taking on too much debt. New rules on how much cash banks should have and how much they can borrow seem like a good idea, especially for big banks. The economy and how much money is floating around also play a role in whether a bank will fail. It might be a good idea to have rules that look at the big picture when it comes to bank safety.