Capital Exercises Marketing Regulation 
Perficient
MARCH 3, 2022
The Office of the Comptroller of the Currency (OCC) recently released the economic and financial market scenarios that will be used in the upcoming stress tests for covered institutions. As repeated by federal bank regulators, the required economic scenarios are not forecasts. The 3-month Treasury rate increases from 0 percent to 1.5%
BankUnderground
SEPTEMBER 8, 2022
The probability of an extreme stress event with losses above £91 billion (roughly 19% of CET1 capital) increased from 1% before the pandemic to 4.1% Developing policies that reduce the build-up of systemic risk and preserve the stability of the financial system is an increasingly relevant task for regulators worldwide. in 2021 Q4.
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BankUnderground
DECEMBER 8, 2021
Reforms following the 2008 financial crisis have led to significant increases in banks’ capital requirements. Profitability determines the opportunity cost of shrinking assets, and underpins the ability to generate capital. A large literature since then has focused on understanding how banks respond to these changes.
Jeff For Banks
AUGUST 2, 2014
My firm will occasionally provide feedback on correspondence to our clients'' regulators. I thought about what we should have said to the regulator, versus the sweet words I was encouraging our client to use. Below is a sample letter to your regulator, saying it like you mean it. So, no, we are not re-doing our capital plan.
Gonzobanker
FEBRUARY 29, 2024
A recent round of bank merger announcements and the marquee Capital One/Discover deal illustrate this mantra’s popularity. It’s very hard for regulated banks and credit unions to gain any meaningful efficiencies under $1 billion in assets. Without this push, traditional banks may lose a terminal amount of future market share.
Abrigo
NOVEMBER 11, 2019
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.
BankUnderground
DECEMBER 7, 2021
In this post, we borrow Thomas Kuhn’s idea of ‘ scientific revolutions ’ to argue that radical overhauls of regulation often occur after crises but that, once major reforms have been completed, it’s normal to have periods when rules do not change so much. Regulators have their paradigms too – what we call ‘frameworks’ or ‘regimes’.
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