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Collection: Semiannual Risk Perspective
OCC Highlights Risks Facing National Banks and Federal Savings Associations
Key issues facing national banks and federal savings associations continue to involve the potential for banks to take excessive risk in an effort to improve profitability, revenue challenges from a slow economy and financial market volatility, and lingering effects of real estate lending.
The Office of the Comptroller of the Currency's Semiannual Risk Perspective for fall 2012 provided additional details on these risks facing the banking industry that include:
The report presents data in four main areas: the operating environment; condition and performance of the banking system; funding, liquidity, and interest rate risk; and regulatory actions. The report focuses on issues that pose threats to the safety and soundness of those financial institutions regulated by the OCC and is intended as a resource to the industry, examiners, and the general public. The report reflects data as of June 30, 2012.