Remove Capital Remove FDIC Remove Marketing Remove Webinar
article thumbnail

Model Risk Management: Regulatory Priorities and Best Practices

Abrigo

Meet Model Risk Management Expectations Updates to the FDIC Risk Management Manual should steer institutions toward a model that manages risk and drives growth. FDIC Update. Last April, the FDIC released an Interagency Statement titled Model Risk Management (MRM) for Bank Models and Systems Supporting BSA/AML Compliance.

article thumbnail

The most popular CECL, ALM, & portfolio risk blogs of the year

Abrigo

You might also like this webinar, "Unraveling risk rating: Making sense of your best early warning tool." Read this blog for ten key reports on capital, growth, and liquidity that can help financial institutions identify increased risk and shape strategy in tricky conditions. Which credit areas need routine "maintenance"?

Insiders

Sign Up for our Newsletter

This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply.

article thumbnail

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. Real Estate Market Outlook.

Lending 195
article thumbnail

The Risk Your Asset/Liability Management Process Might Be Missing

Abrigo

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. FDIC FIL-46-2013 October 8, 2013. It actually has fallen since April as the market anticipated three cuts to the Fed’s target fed funds rate.

article thumbnail

How the 2022 Stress Test Scenarios Can Help Small Banks & Credit Unions

Abrigo

Takeaway 2 The severely adverse scenario from regulators presents a very severe global recession combined with severe stress in the CRE market and the corporate debt market. Banks and credit unions must be able to adjust when necessary to ensure viability of the institution and the ability to supply capital to their local economy.

Capital 195
article thumbnail

The Current Banking Crisis – 10 Not So Apparent Lessons

South State Correspondent

It turns out that confidence is more valuable than capital. Percentage of Uninsured Deposits: At the time of failure, SVB had approximately 88% of their deposits above the FDIC-insured $250k limit and ran at 95% at the end of last year. The ratio would provide a bank’s current core capital position to risk-adjusted assets.

article thumbnail

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