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Collection: Semiannual Risk Perspective
OCC Report Highlights Risks Facing National Banks and Federal Savings Associations
Key risks facing national banks and federal savings associations involve the potential for banks to take excessive risks to improve profitability, revenue challenges from a slow economy, and a surge in sophisticated cyber threats.
The Office of the Comptroller of the Currency's Semiannual Risk Perspective for Spring 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. 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 December 31, 2012.