Perficient

MAY 27, 2022

However, in this blog, we will discuss the regulatory landscape surrounding cryptocurrency from an asset manager or fund manager perspective. For those wanting to start their own cryptocurrency fund, it’s important to be well informed about cryptocurrency regulations. State Regulations.

cryptocurrency 332

cryptocurrency Regulation Management Bitcoin 332

Abrigo

FEBRUARY 6, 2024

In this blog post, we will delve into the strategies and policies credit unions can adopt to ensure the success and profitability of their MBL programs. However, with opportunities come inherent risks. Get ready for the next credit cycle with credit department housekeeping tips from this webinar.

Lending 221

Lending How To Risk Management Policies 221

Abrigo

JULY 25, 2017

In a recent Sageworks webinar Robert Ashbaugh, senior risk management consultant at Sageworks, discusses High Volatility Commercial Real Estate (HVCRE) lending best practices. Ashbaugh’s presentation begins with a quick summary of why regulators care about HVCRE. How did we get here? What are HVCRE loans?

Risk Management 150

Risk Management Management Capital Lending 150

Abrigo

SEPTEMBER 27, 2017

The hundreds of people attending the 2017 Risk Management Summit hosted by Sageworks heard from dozens of thought leaders in the financial services industry. The Sageworks Risk Management Summit is the industry’s leading life-of-loan conference, with topics spanning business development through portfolio risk in a CECL world.

Risk Management 150

Risk Management Management Denver Chicago 150

Abrigo

DECEMBER 23, 2022

Blog posts to help your asset/liability management (ALM) staff strategize for the future These ALM posts were the most popular in 2022. Our top ten blogs were created by Abrigo's team, which includes former bankers, regulators, and industry experts. Read for a review of methods FIs use to measure short-term risk.

Resources 195

Resources Risk Management Study Strategy 195

Gonzobanker

NOVEMBER 22, 2022

Well, Gonzobankers, the smart, idealist and self-declared revolutionary crypto kids just bought themselves a future of regulation — intricate, overbearing, and frustrating regulation, and regulation that the market will now demand. Welcome to adulthood, y’all. Wonderful” O’ Leary, and of course Tom and Gisele. What’s Next?

Regulation 174

Regulation blockchain Marketing Strategy 174

Abrigo

OCTOBER 28, 2022

Managing loan workouts and modifications Tips for preparing your bank or credit union to handle an increased volume of problem loans while ensuring prudent credit risk management. You might also like this video, "A look at credit risk in a rising-rate environment." Regulators foster prudent loan modifications.

Management 195

Management Risk Management Policies Lending 195

Abrigo

JANUARY 24, 2024

The rapidly increasing interest rates in 2023 led to publicly traded banks with more than $20 billion in assets having tangible common equity ratios (adjusted for fair value adjustments on held-to-maturity instruments such as loans) of less than 3% as of September 30, 2023, according to S&P Capital IQ. Should we panic?

FDIC 195

FDIC Regulation Strategy Data 195

Abrigo

NOVEMBER 8, 2019

Stress Testing | 7 minute read Key Takeaways Stress testing is an important component of sound risk management. Top down and bottom up analysis can inform capital assessments. Stress testing provides banks and credit unions with a unique opportunity to better manage their institution’s financial performance. .

Lending 150

Lending Risk Management Analysis Capital 150

Abrigo

JUNE 11, 2021

Measuring Interest Rate Risk Can Vary by Institution Interest rate risk measurement plays a key role in ensuring an institution's safety and soundness. Would you like other articles on asset/liability management in your inbox? FDIC) noted in its 2021 Risk Review. Measure long-term interest rate risk. EVE Analysis.

How To 195

How To Risk Management Analysis Kansas City 195

Abrigo

SEPTEMBER 23, 2014

As banks are increasingly playing a bigger role in commercial real estate lending, it is more important than ever to ensure proper risk management practices. Due to the volatility of CRE concentrations at banks, regulators have released supervisory guidance to ensure sound risk management practices. Blog Bank'

Lending 261

Lending Management Risk Management How To 261

Abrigo

DECEMBER 14, 2023

In a banking landscape that is constantly changing with new regulations, increasing competition, and other new challenges, it is critical to maximize your strategic plan's effectiveness. In the CRE example, this might mean considering the plan’s effect on capital or overall interest rate. Every stakeholder should be on board.

Lending 221

Lending Risk Management Meeting Survey 221

Abrigo

OCTOBER 6, 2017

During a Sageworks webinar on HVCRE risk management Rob Ashbaugh, senior risk management consultant at Sageworks, explained that clarifications on some of the murkier aspects of the HVCRE (high volatility commercial real estate) rule were anticipated by the industry.

Regulation 150

Regulation Risk Management Community Bank Community 150

Abrigo

JANUARY 28, 2016

The following is an excerpt from the Sageworks whitepaper "Optimizing Capital: Challenges and Opportunities for Financial Institutions". Internal challenges Top management will be familiar with many of the internal challenges. Capital is critical for managing both sides of the financials of the bank—income statement and balance sheet.

Capital 150

Capital Texas Risk Management Management 150

Abrigo

MARCH 6, 2015

Yesterday the Federal Reserve announced how “the big banks” fared on their annual stress tests (The Wall Street Journal’s Briefly blog offers what to know and what is relevant about the exams). During examination time, regulators are increasingly looking at a bank’s stress testing processes and resulting capital plans.

Risk Management 150

Risk Management Capital Community Bank Regulation 150

Abrigo

APRIL 19, 2022

Owners and guarantors may be sources of business capital, but in down economies they become users of business cash flow, depending on their personal and other business obligations. Lending & Credit Risk. Lending & Credit Risk. Lending & Credit Risk. Portfolio Risk & CECL. Learn More. Learn More.

Analysis 195

Analysis Taxes Lending Examples 195

Abrigo

SEPTEMBER 7, 2023

Having dashboards or banking management reports that show the lending pipeline, pricing trends, emerging risks, workflow bottlenecks, and other factors affecting loan growth can help a bank or credit union stay on top of and adapt quickly to trends. The institution can more easily capitalize on opportunities and avoid unnecessary risk.

Report 195

Report Lending Trends Data 195

PYMNTS

DECEMBER 9, 2020

9) that 13 percent of illicitly-gained digital currency is sent through private wallets, up from 2 percent in 2019, the firm said in a blog post. “As However, while private wallets do make it difficult to trace the funds they process, crypto exchanges can do their part to confirm the source of a user’s assets, the blog noted.

Bitcoin 168

Bitcoin Report cryptocurrency Analytics 168

Abrigo

NOVEMBER 17, 2023

Additionally, the human capital investment—in terms of both hiring fraud prevention experts and training existing staff—represents a significant operational expense. The second pillar concerns the cost of technical and human resources dedicated to fraud prevention, detection, and remediation. Find out how BAM+ stops fraud scams.

Fraud 195

Fraud Training Trends Compliance 195

Abrigo

AUGUST 8, 2021

Independent Loan Review Systems in Banking Banking regulators have outlined expectations for effective, independent loan review and credit risk review. . Takeaway 1 A system for ongoing, independent credit risk review will not look the same from institution to institution. 7 Objectives of credit risk review.

System 195

System Lending Policies Regulation 195

Abrigo

AUGUST 30, 2022

Risk management. Keys to mitigating risk. Any financial institution looking to grow the commercial loan portfolio should keep in mind that proper credit risk management remains critical. Lending & Credit Risk. Lending & Credit Risk. Credit Risk Management. Lending Regulation.

Strategy 195

Strategy Lending Risk Management Analysis 195

Abrigo

MAY 2, 2022

Confident Risk Management Begins with Sound Loan Policy A risk-based approach to loan policy can effectively improve your institution's profitability. Takeaway 1 Loan policy is the foundation of a risk-focused financial institution, and it requires regular updates and monitoring to be effective.

Policies 195

Policies Lending Regulation Examples 195

PYMNTS

JANUARY 13, 2021

The OCC conditionally approved the charter, meaning Anchorage had to agree to comply with certain capital and liquidity requirements, as well as the OCC’s risk management rules, the release stated. The clarity of being regulated by the oldest regulator for banks in the United States … sends a very clear message.”.

South Dakota 131

South Dakota Digital Banking Bitcoin cryptocurrency 131

Abrigo

SEPTEMBER 26, 2014

Within the financial industry, the word “regulation” often receives a mixed reaction. What’s been mostly out of the mainstream news cycle, though, is the effects of regulation following the financial crisis on the community banks– specifically, credit unions. ” Blog Credit Union'

Capital 191

Capital National Regulation Risk Management 191

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. Lending & Credit Risk. Credit Risk Management. Lending & Credit Risk. 3 Ways SBA Lending After PPP Can Help Banks, Credit Unions Grow, Mitigate Risk. 3 Ways SBA Lending After PPP Can Help Banks, Credit Unions Grow, Mitigate Risk.

Lending 259

Lending Community San Antonio Survey 259

Abrigo

APRIL 15, 2022

So far in this “ Introduction to ALM ” blog series, we’ve looked at the two different measures of interest rate risk: earnings at risk (EAR) or income at risk (IAR) and economic value of equity (EVE) or value at risk (VAR). ALM 101: Introduction to Asset/Liability Management. Contingent liquidity.

Management 195

Management Meeting Risk Management Operations 195

Abrigo

DECEMBER 17, 2021

For banks and credit unions, this often means a deep understanding of regulations and compliance and adhering to the institution's risk management standards. Lending & Credit Risk. Portfolio Risk & CECL. Lending & Credit Risk. Credit Risk Management. Lending & Credit Risk.

Fintech 195

Fintech How To Innovation System 195

Abrigo

DECEMBER 14, 2014

Many would point to imprudent lending standards as a leading cause of the financial crisis of 2008, and in turn, financial institution regulators have since bolstered lending standards and capital thresholds as a preventive measure against a similar crisis. Blog Bank Credit Union'

Guidelines 223

Guidelines Payments Lending Capital 223

ABA Community Banking

APRIL 26, 2015

Handling squeeze between regulators and investors Risk Management Blogs Risk Adjusted HowTo Compliance/Regulatory Community Banking.

Capital 40

Capital Risk Management Community Bank Compliance 40

Abrigo

OCTOBER 29, 2014

Multifamily, commercial and automotive loans are driving loan growth among banks in the Northeast, but increasing risk will draw fresh attention from regulators to ensure recent and future growth is sound, the Office of the Comptroller of the Currency said recently. Blog Bank Industry Trends' The OCC on Oct. The OCC on Oct.

Rhode Island 236

Rhode Island District of Columbia West Virginia New Jersey 236

Abrigo

APRIL 9, 2015

If bankers know where vulnerabilities exist, they can use stress test results to allocate capital and make more effective risk management decisions. Here are two examples: • Set appropriate capital reserves in preparation for potential adverse scenarios. Blog Bank Credit Union'

Data 150

Data Risk Management Capital Regional 150

Abrigo

SEPTEMBER 2, 2020

Capitalizing on PPP innovations for a better experience. Lending & Credit Risk. Credit Risk Management. Lending & Credit Risk. 3 Ways SBA Lending After PPP Can Help Banks, Credit Unions Grow, Mitigate Risk. 3 Ways SBA Lending After PPP Can Help Banks, Credit Unions Grow, Mitigate Risk.

Lending 195

Lending Community San Antonio Survey 195

Abrigo

AUGUST 10, 2015

In the same way, financial institutions conducting stress tests to satisfy prudential regulators’ queries on reserves and capital can generate additional benefits from this process, according to Elizabeth Williams, managing director of financial consulting firm CEIS Review Inc. Manage concentration risk.

Risk Management 150

Risk Management Exercises Capital Regulation 150

Abrigo

JUNE 23, 2017

The desire to avoid examiner scrutiny may tempt some financial institutions to set the bar high when it comes to credit and liquidity risk management policy limits, but regulators are discouraging this approach. It could compromise institutions’ risk management effectiveness and ultimately hurt the institution.

Policies 150

Policies Risk Management Survey FDIC 150

Abrigo

AUGUST 5, 2020

Therefore, it’s essential that the credit memo captures the complete picture of the borrower to ensure proper risk management. Credit risk management has been a cornerstone of community banking, and it will continue to be a top priority in this unique credit environment. Portfolio Risk & CECL. Asset/Liability.

Management 195

Management Risk Management Trends Industry 195

Abrigo

DECEMBER 2, 2021

But this year, only 15% described core deposit growth as a “very important” risk. The challenge with the influx of capital is that most financial institutions don’t know how much of the money at their institutions will hang around – or for how long. Lending & Credit Risk. Portfolio Risk & CECL. Asset/Liability.

Conference 195

Conference San Antonio Lending Fraud 195

Abrigo

APRIL 1, 2015

A recent Wall Street Journal article by Victoria McGrane and Jon Hilsenrath highlighted how the nation’s regulators are increasingly questioning and turning their focus toward bank boards. These smaller banks have also seen new, and more frequent, attention from regulators. Blog Bank Credit Union'

Risk Management 150

Risk Management Community Bank Regulation Boston 150