Promoting a safe, sound, and stable banking and financial system, and fair and transparent financial services

Publications

Supervision in Brief

Posted December 11, 2019

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

Posted December 6, 2019

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

Posted December 4, 2019

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

Posted November 15, 2019

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

Posted September 4, 2019

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.

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Pacific Exchange Blog

Will Internet-Only Banks Be A Game Changer for Taiwan?

Posted September 17, 2019

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.

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Did You Know?

The Federal Reserve supervises state member banks, as well as the companies that own banks or savings institutions.

About Financial Institution Supervision and Credit

Asia Program

Home of the Pacific Exchange blog, Asia Program focuses on issues important to banking in Asia and the Pacific Rim.

More about the Asia Program

Fintech

Our analysts study the impact of financial technology on banking from a supervision perspective. Schedule a consultation for help navigating the regulatory and supervisory system in support of your business model or fintech partnerships.

More about Fintech

Discount Window

Our primary credit lending program extends credit to depository institutions, helping to alleviate temporary liquidity strains. To borrow, an institution must have on file the necessary authorizing resolutions and adequate pre-approved eligible collateral.

More About the Discount Window and Discount Rate

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