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Promoting a safe, sound, and stable banking and financial system, and fair and transparent financial services
Publications
First Glance 12L
Second Quarter 2019: Banks in Sound Condition but Face Global Slowing and Inverted Yield Curve
The 2Q19 issue of First Glance 12L notes improved District job growth and first half bank profits. Bank capital ratios also strengthened from mid-2018 levels, but were constrained by parent company share buybacks, the topic of our “Spotlight” feature. Slowing global growth, trade tensions, and yield curve shifts pose headwinds.
Supervision in Brief
Hard Policy Challenges Exist Amid Positive Banking Conditions
While banking conditions remain very positive overall, our conversations at a recent roundtable revealed that banking and financial services still face a number of challenging and complex policy issues. These include CECL adoption, Community Reinvestment Act reform, and the California Consumer Privacy Act of 2018.
First Glance 12L
First Quarter 2019: District Growth Solid but Slowing amid Rising Trade Tensions
The 1Q19 issue of First Glance 12L notes decelerating growth in District jobs, home prices, and lending. Quarterly bank profits came under pressure in part because of seasonal effects on asset yields and shifts to costlier funding sources. This quarter’s Spotlight feature discusses the District’s potential economic exposure to rising tariffs.
Banks at a Glance – Bank Profiles by State
Fourth Quarter 2018: Economic and Banking Highlights by State
Economic conditions across the SF Fed’s nine-state region remained favorable in the second half of 2018, although job and home-price growth cooled in most states. Average bank profitability increased in regional states, while loan growth was mostly stable or declining. See Banks at a Glance for more information.
Fintech Edge
The 2018 California Consumer Privacy Act: Understanding Its Implications and Ambiguities
This publication highlights some of the questions and implications that have arisen from the passage of California’s Consumer Privacy Act of 2018.
Pacific Exchange Blog
Will Internet-Only Banks Be A Game Changer for Taiwan?
Taiwan’s Financial Supervisory Commission recently approved three licenses for internet-only banks, the first time new banking licenses have been issued since the 1990s. This blog explores potential ramifications associated with the decision. Internet-only banks are well positioned to bring two important potential benefits: expanded access to credit and banking sector innovation. Nonetheless, their entrance will likely bring even more competition in Taiwan’s already saturated banking market.
