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The role of bank directors in managing risk

Abrigo

The FDIC is offering a fresh take on how a bank’s board of directors should understand and manage risk. The regulator’s April edition of Supervisory Insights provides what the FDIC called a “refresher” on its Pocket Guide for Directors, the 1988 booklet outlining the basic duties and responsibilities of a bank’s board of directors.

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2020 CRE Outlook: Trends Expected to Shape Commercial Real Estate Lending

Abrigo

The main drivers of expected CRE growth in 2020 are: Low interest rates Continued job growth and low unemployment Moderate consumer spending growth Abundant capital and return-seeking investors/lenders, and Increased property values (albeit slowing in appreciation). “2020 could be a pivotal year for the U.S. Watching for CRE red flags.

Lending 195
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Navigating Liquidity, Funding, and Return in the Paycheck Protection Program

Abrigo

PPP loans carry a 0% risk weighting, meaning they don’t count against the institution from a risk-based capital standpoint. Stearns Bank, as well as other bankers on the webinar panel, have concluded that loans made outside of that timeframe are not subject to the same restriction.

Lending 195
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How to Measure Interest Rate Risk Effectively in Banks & Credit Unions

Abrigo

Measurement plays an important role in ensuring that interest rate risk doesn’t threaten a financial institution’s earnings and capital. As recently as May 2021, regulators identified interest rate risk as among the key risks in the economy, financial markets, and the banking industry that could affect insured institutions.

How To 195
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10 Top Banking Podcasts You Should be Listening to

Abrigo

Other podcasts might be internationally based and of little interest to community financial institutions or credit unions based in the U.S. or largely focused on the domestic banking market. So here’s your head start on finding some banking podcasts that might work for you. Check them all out in our Knowledge Center. Whitepaper.

Community 195
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CECL implementation: Survey shows where peers are as 2023 nears

Abrigo

For community banks specifically, they’re already reserving for a lifetime of credit losses,” he said. Banks regulated by the Federal Reserve, the OCC, or the FDIC made up the bulk of institutions represented by survey-takers (73%). Managing capital levels amid credit stress: Advice for credit unions. Learn More.

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The Current Banking Crisis – 10 Not So Apparent Lessons

South State Correspondent

It turns out that confidence is more valuable than capital. While we wrote about the root cause of the failure of Silicon Valley Bank (SVB) HERE , the lessons of the current banking crisis go beyond interest rate risk management. This is compared to about 40% at most banks. These inflows help mitigate a run-in-progress.