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Collection: Semiannual Risk Perspective
OCC Report Focuses on Risks Facing National Banks and Federal Savings Associations
National banks and federal savings associations continue to face a number of risks as they seek to improve profits in the face of slow economic growth and a prolonged low interest rate environment. Banks are layering risk back into the system in ways that are difficult to quantify at this point in the cycle. That is why risk management must remain a top priority according to the Office of the Comptroller of the Currency's semiannual assessment of risk.
The OCC's Semiannual Risk Perspective for Fall 2013 details risks facing the banking industry:
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. It 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 public. The report reflects data as of June 30, 2013