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The Risk Your Asset/Liability Management Process Might Be Missing

Abrigo

ALM | 4 minute read Key Takeaways Many financial institutions view asset/liability management as a "check-the-box" regulatory exercise. An extreme focus on using ALM to manage the risk of rising rates means some FIs overlook using ALM to grow earnings and capital, putting them at risk of underperformance.

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Guest Post: 2013 Economic Year in Review and Outlook by Banker Dorothy Jaworski

Jeff For Banks

She will continue your zero rate policy and will “taper” your QE 3 program, because the markets have already dismissed its impact and tightened long term rates despite your wishes. Mortgage rates rose just as much and they may potentially damage the housing market recovery. Stocks are supposed to have more risk. once again.

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Independent Loan Review & Credit Risk Review System Objectives

Abrigo

Takeaway 2 However, a loan review or credit risk review program should accomplish several key objectives. Takeaway 3 Timely risk ratings and a written review policy are critical components of effective loan review and credit review. This article is substantially updated from a 2013 blog post. Lending & Credit Risk.

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OCC outlines risk plan as Northeastern loan growth doubles

Abrigo

This metric surged from 2 percent as of June 30, 2013, to 4.4 • Board risk parameters, adequacy of staffing, succession planning and audit. As a result, the OCC will focus on: • Identification, measurement, monitoring and control of interest risk rate. percent as measured on June 30 of this year.

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10 Top Banking Podcasts You Should be Listening to

Abrigo

Thankfully for bank and credit union executives, lenders, risk managers, and Bank Secrecy Act (BSA) Officers, banking podcasts and podcasts for credit unions are plentiful, and options are growing. or largely focused on the domestic banking market. Lending & Credit Risk. Portfolio Risk & CECL. Whitepaper.

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How can bank boards respond to increased regulatory scrutiny?

Abrigo

McGrane and Hilsenrath also noted that following the push for higher capital cushions, “regulators are now focusing on corporate governance and the role of directors to ensure banks have the right culture and controls to prevent excessive risk taking.” What is the pace of change in the organization and markets served?

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Stress Testing: Are the Results Guiding Your CECL Decision-Making?

Abrigo

Charge offs were close to zero for most banks since 2013, according to call report data from S&P Market Intelligence. Stress testing gives an institution a serious look into their capital and reserves, and if they possess enough of each to remain viable, should a recession hit.

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