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

Abrigo

Takeaway 1 Regulators stress sound risk management practices that include the ability to identify and measure interest rate risk (IRR). Regulators have repeatedly stressed the importance of sound risk management practices that include the ability to identify and measure interest rate risk. EVE Analysis.

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Today’s Cyber Risk Management

Cisco

The past 20 years have visibly demonstrated the impact large scale events have on market, credit, and operational risks in financial services. Beginning with the bursting of the dot-com bubble, and more recently, the global COVID-19 pandemic, these events created significant volatility in stock prices resulting in increased market risk.

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How to stress test your ag portfolio

Abrigo

The report, from the Federal Reserve Bank of Kansas City , stated that demand could remain high since futures markets for fall crops show prices are likely to remain low because of the potential for another record harvest. The challenge is that market conditions in this type of lending tend to be volatile. Production costs 3.

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Important Considerations When Growing the CRE Portfolio

Abrigo

Real estate is a notoriously cyclical market with fluctuations that can leave loans backed by real estate under-collateralized in the event of an economic downturn. By understanding the risks, working with regulators and implementing robust credit analysis process, community banks and credit unions can take advantage of opportunities in CRE.

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Non-performing ag loans increase, says lender survey

Abrigo

Researchers pointed to uncertainty in the markets regarding interest rates and competition amongst the lenders as some of the long-term factors in the results, which still showed a strong credit market for producers,” according to the university’s summary of the results.

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Key components of credit risk rating systems

Abrigo

The only requirement from regulators is assigning transactions, when appropriate, to four criticized categories: special mention, substandard, doubtful and loss. In 2001, the OCC published the Comptroller’s Handbook on Rating Credit Risk , which highlighted the expectations of credit risk rating systems: 1.

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CFPB releases report on college credit card agreements, student account toolkit and warning letters

CFPB Monitor

The CFPB also announced that it sent warning letters to 17 schools regarding their compliance with the CARD Act requirement to publicly disclose their credit card marketing agreements. It also includes a handbook to guide administrators in soliciting and evaluating proposals and in monitoring vendor performance. Warning Letters.

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