They believe that whatever they do as long as THEY make money is fine. Others are expected to follow the fine print of their contracts. After the billions in fines that they paid plus the huge bonus's for ripping share holders off that of course their profits will be down a little. Don't worry as they are making it all back being short the market now. Who do you think is taking the market down. Yes it is these financial institutions that the FED gave all the billions to keep the market up.