The 3Q13 issue of First Glance 12L details the slow financial recovery being made by District banks. Loan growth has been a bright spot, up to 7% year-over-year on average, and problem loans further declined. However, narrow net interest margins constrained profitability gains.
The Federal Reserve is hosting a webcast, Small Creditor Qualified Mortgages, on Wednesday, December 4, 2013. During this webcast, Consumer Financial Protection Bureau (CFPB) representatives will discuss the Ability-to-Repay (ATR)/Qualified Mortgage (QM) rule provisions and the exemptions applicable to small creditors. Visit the Outlook Live page for more information.
This Asia Focus report explores the use of m-payments in Asia and evaluates the challenges it faces regarding wider adoption. Specifically, this report clarifies what an m-payment is, identifies which factors are facilitating and hindering the use of m-payments by consumers in certain economies of Asia, and summarizes key issues this new payment technology presents to government regulators.
In this issue, read about the importance of community bank capital planning and the impact of the new capital rules, learn more about interest rate risk measurement techniques, and understand the importance of inherent BSA/AML risk assessments. Special segments focus on a recent community bank research conference and patent lawsuits against banks.
At the Federal Reserve Bank of San Francisco’s Call the Fed webcast on December 5, 2013, two of the Bank’s risk management specialists will discuss how interest rate risk is increasing at commercial banks in the 12th District, why it is a top regulatory concern, and what bank management should be doing to manage this risk.