Menu
Promoting a safe, sound, and stable banking and financial system, and fair and transparent financial services
Publications
Supervision in Brief
Plans and actions to mitigate the effects of the coronavirus (COVID-19)
As we address the unique and challenging circumstances of the coronavirus (COVID-19), the Federal Reserve Bank of San Francisco is focused on carrying out our important responsibilities through continuity of operations, while being mindful of the safety and well-being of everyone affected. Our top priority is the health and well-being of our employees, communities, and constituents.
First Glance 12L
Fourth Quarter 2019: COVID-19 Fears Could Amplify Bank Earnings Pressures
The 4Q19 issue of First Glance 12L notes that job and housing markets remained strong, but bank loan growth and earnings slipped. COVID-19 will pose additional headwinds to growth and bank net interest margins in 2020. The report discusses various hot topics, including the forthcoming community bank leverage ratio.
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.
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.
