Search Results for 'Management'


Regulators Issuing Orders on Record Pace; Enforcement Actions Becoming ‘Ordinary’ September 06, 2010 Expect your next safety and soundness exam to be tough — and don’t be surprised if you end up with an enforcement order. Regulators are continuing to issue enforcement actions against banks at a record-breaking rate, with the FDIC already on pace to surpass last year’s... Continued... Indexed by: Exams/Enforcement \| Management
Jump Start Your Enterprise Risk Management Program With Proven Categories August 30, 2010 You’re about to embark on an enterprise risk management program. One way to jump start your plan is to follow some or all of the nine risk categories that the OCC uses when examining large banks. The OCC launched its “supervision by risk program” in 1996 with some fanfare, urging... Continued... Indexed by: Liquidity \| Management \| Market Risk
The OCC’s 9 Risk Categories August 30, 2010 Credit Risk: Risk to earnings or capital due to a creditor's failure to meet the terms of any contract with the bank. Credit risk also comes from selecting investment portfolio products, derivatives trading partners, or foreign exchange counterparties. Interest Rate Risk: The risk due... Continued... Indexed by: Management \| Market Risk
Got Excess Capital? The Pluses and Minuses of Buying Back Your Bank Stock August 30, 2010 Tread carefully if you're considering buying back your bank stock. Although stock prices are still lower than they were several years ago, bank regulators are demanding more capital than ever before. Still, some say it's a "once-in-a-generation opportunity." "You have to be comfortable with your... Continued... Indexed by: Capital Adequacy \| Management
ERM Practices and More August 23, 2010 CEO, CRO, CFO, and Board all aligned in benefits of identifying and mitigating risk Mission of Risk Office is communicated up and down the chain List of top risks distributed internally allowing the entire organization to... Continued... Indexed by: Management \| Market Risk
10 Proven Ways to Reduce Your Bank’s D&O Exposure August 23, 2010 There’s some good news in the D&O insurance world. Pricing decreased 15.7% in Q1 2010 compared to Q1 2009, according to Aon Risk Services Financial Services Group’s quarterly pricing index. But you’ll still need to scour your policies carefully and negotiate hard to get the... Continued... Indexed by: Litigation \| Management
A Guide to Enterprise Risk Management, From the Banker’s Perspective August 23, 2010 Examiners are often demanding that banks establish enterprise risk management programs. But the task can seem daunting. How do you start? When do you end? How do you get your board to support it? Bank Safety & Soundness Advisor set out to answer these questions by interviewing bankers across... Continued... Indexed by: Management \| Market Risk
Bank Employees Who Suspect Accounting, Underwriting Misdeeds Get New Protections August 09, 2010 Bank directors and officers may need to look over their shoulders more carefully. Buried in the fine print of the newly passed financial reform act is the most significant tightening of whistleblower protections since Sarbanes-Oxley – with specific provisions to protect employees at financial... Continued... Indexed by: Legal \| Legislation \| Management
A Success Story: First Michigan Bank Raises Capital, Grows By More than $1 BIllion July 26, 2010 It is possible to raise capital in today’s environment. Just ask David Provost, chairman, president and CEO of First Michigan Bank in Troy, Mich. He not only raised $200 million, but he helped turn his $100 million bank into a $1.7 billion institution with a single acquisition on April... Continued... Indexed by: Capital Adequacy \| FDIC \| Management
Special Report: What New Capital Ratios Would Mean for Banks July 26, 2010 If regulatory capital ratios were to increase in line with recent enforcement orders, banks would have to raise more than $476 billion, an effort that would undoubtedly lead to the merger of many banks and the failures of others, according to an exclusive analysis of Call Report data conducted for... Continued... Indexed by: Capital Adequacy \| Exams/Enforcement \| Management