Promoting a safe, sound, and stable banking and financial system, and fair and transparent financial services
First Glance 12L
The 3Q16 issue of First Glance 12L shows the District’s jobs and bank loan portfolios continued to expand, albeit at a slightly slower pace. Credit conditions remained good and bank profitability improved. Banks face opportunities and challenges because of appreciating real estate values and uncertainties regarding interest rates and trade policy.
It is with heavy hearts that we share the news of the passing of our friend and colleague, Teresa Curran. Teresa passed away yesterday after a heroic battle against a long illness.
Real Estate Lending Risks Monitor
This RE Lending Risks Monitor discusses key trends in commercial real estate markets and related lending issues, geared towards lenders within the 12th Federal Reserve District (nine western states).
This issue of Supervisory Spotlight highlights the importance of preparation to help ensure world-class performance. Whether it’s the next economic cycle, the ever-present threat of a cyberattack, or an unexpected liquidity need, bankers who are prepared to respond to multiple eventualities are the ones who can prevail over adversity.
First Glance 12L
The 2Q16 issue of First Glance 12L shows the District’s job growth strengthened real estate markets and boosted bank lending and net interest margins. However, liquidity and capital ratios tightened and commercial real estate loan concentrations expanded because loan growth outpaced increases in total assets, core deposits, and regulatory capital.
In recent years, Chinese banks have become more aggressive in writing off their nonperforming loans as a way to address their asset quality issues. The acceleration in loan write-offs by Chinese banks was made possible by the relaxation of tax rules and is a step in the right direction for banking reform.