Under the standardized approach to determining operational risk capital, operations risk capital is equal to:

a fixed percentage of the latest gross income of the bank

a varying percentage, determined by the national regulator, of the gross revenue of each of the bank's business lines

15% of the average gross income (considering only the positive years) of the past three years

a fixed percentage (different for each business line) of the gross income of the eight specified business lines, averaged over three years