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(Adds MetLife comment)
By Huw Jones
LONDON, Nov 21 (Reuters) - Citi has joined JPMorgan at the top of global regulators' list of systemicallyimportant banks, replacing HSBC and meaning the U.S.bank will have to hold extra capital from 2019 to help preservefinancial stability.
The group of 20 economies (G20) agreed after the 2007-09financial crisis that top banks, whose size and complexity meana collapse could wreak havoc in markets, should hold extracapital, according to the level of risk they present.
Members of the list of 30 lenders will also have to beginholding bonds from 2019 that can be written down to helpreplenish capital that is burnt through in a crisis.
In the annual update of rankings published on Monday by theG20's Financial Stability Board (FSB), Citi has replaced HSBC inthe top "bucket" facing a 2.5 percent capital surcharge on topof global minimum requirements.
No lender joined or dropped out of the top 30 list thisyear.
Lenders on the list typically already meet or exceed theamount of capital they must hold due to pressure from regulatorsand markets to dispel any doubts about their resilience.
HSBC joins BNP Paribas and Deutsche Bank in the next category down, with a surcharge of 2percent. Bank of America rose a category to join them.
Barclays dropped a category to the 1.5 percentsurcharge group. Industrial and Commercial Bank of China and Wells Fargo rose a category to join theUK bank.
Morgan Stanley fell a category to the 1 percentsurcharge group.
The FSB is also due to agree a higher leverage ratio for the30 lenders.
The ratio, a broad measure of capital to non-risk-weightedassets, has been set at a minimum of 3 percent for all otherbanks across the world.
The FSB has yet to decide if the 30 should be subject to thesame leverage ratio "surcharge" or whether it too should adopt a"bucket" approach.
The watchdog also updated its list of nine globallysystemically important insurers, which was unchanged from lastyear.
Insurers still on the list in 2017 will be required tocomply with tougher "loss absorbency" requirements from January2019.
The list comprises Aegon, Allianz, AIG, Aviva, Axa, MetLife,Ping An, Prudential Financial, and Prudential.
The FSB's latest list makes no mention of reinsurers, acategory still being considered for inclusion.
Global insurance regulators have said they may take intoaccount the activities of insurers when they decide if they areglobally systemic, rather than just focusing on size and globalreach.
MetLife, the biggest U.S. life insurer, was also designatedas systemically important by the Financial Stability OversightCouncil, made up of the heads of U.S. financial regulators.
The insurer successfully challenged the U.S. designation incourt, but the U.S. government has appealed with the outcomegenerally expected sometime in the next few months.
"MetLife is no longer designated as a systemically importantfinancial institution in the United States, and believe weshould not be designated as a global systemically importantinsurer, either," MetLife said on Monday. (Reporting by Huw Jones; Editing by Carolyn Cohn and MarkPotter)
