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Martin Gruenberg, chairman of the Federal Deposit Insurance Corporation (FDIC), speaks at a briefing about the bank and thrift industry earnings for the second quarter 2011 at FDIC headquarters in ...
FDIC Chair Martin Gruenberg said Thursday that the US banking industry "continues to face significant downside risks" from inflation and high interest rates, which could cause profitability and ...
Financial risk management in banking has thus grown markedly in importance since the Financial crisis of 2007–2008. [24] (This has given rise [24] to dedicated degrees and professional certifications.) The major focus here is on credit and market risk, and especially through regulatory capital, includes operational risk.
Compliance with bank regulations is verified by personnel known as bank examiners. The objectives of bank regulation, and the emphasis, vary between jurisdictions. The most common objectives are: prudential—to reduce the level of risk to which bank creditors are exposed (i.e. to protect depositors) [7]
Credit risk management is a profession that focuses on reducing and preventing losses by understanding and measuring the probability of those losses. Credit risk management is used by banks, credit lenders, and other financial institutions to mitigate losses primarily associated with nonpayment of loans.
De-banking, more commonly spelled debanking, also known within the banking industry as de-risking, is the closure of people's or organizations' bank accounts by banks that perceive the account holders to pose a financial, legal, regulatory, or reputational risk to the bank.
These changes allowed for substantial risk-taking and thrift industry growth. Many new thrifts were formed in the American southwest and levered themselves to substantial size rapidly. The regional concentration of thrift investments there, along with thrifts' inexperience in the new types of lending they had entered, proved highly fragile.
Systemic risk has been associated with a bank run which has a cascading effect on other banks which are owed money by the first bank in trouble, causing a cascading failure. As depositors sense the ripple effects of default, and liquidity concerns cascade through money markets, a panic can spread through a market, with a sudden flight to ...