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Promoting a safe, sound, and stable banking and financial system, and fair and transparent financial services
Publications
Supervision in Brief
An Increasing Focus on Nonfinancial Risks
The overall financial health of the industry has allowed bankers and bank supervisors to better assess and understand a number of increasing nonfinancial risks, such as cyber security, cloud usage, and data governance. To deepen our thinking in this area, our fintech team recently hosted a Data Symposium, The Role of Consumers in the Data Ecosystem.
First Glance 12L
Third Quarter 2019: Interest Rate Shift Helped Housing but Hurt Bank Net Interest Margins
The 3Q19 issue of First Glance 12L notes robust labor and housing markets in the District, but slower lending growth and weaker quarterly bank net interest margins. Banks’ on-balance sheet liquidity and capital ratios strengthened, on average. In addition to supervisory hot topics, the report spotlights wildfire-related risks in California.
Banks at a Glance – Bank Profiles by State
Second Quarter 2019: Economic and Banking Highlights by State
Economic and banking conditions among the 12th District’s nine states remained solid in the first half of 2019. Job growth continued, despite decelerations in some states. Average bank profitability and loan growth were above national averages, and loan growth contributed to tighter liquidity. See Banks at a Glance for more.
Federal Reserve System Publications
Community Banking Connections
The lead article in this issue of Community Banking Connections discusses the importance of sound risk management principles in slowing agricultural markets. Other articles highlight the transition away from LIBOR and lending to continuing care retirement communities. This issue also features CECL Corner, which provides insights on how community banks can better prepare for CECL.
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.
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.
