Top Bank Risks for 2022
Five key factors for risk managers and C-suites in the year ahead.
Browsing: Commercial real estate
FDIC: CRE Credit Conditions Remained ‘Relatively Stable’ during Pandemic Downturn
While the total amount of commercial real estate loans held by banks has grown, individual institutions’ holdings of CRE loans relative to capital levels have remained below peaks observed during the last recession, the FDIC said in the latest edition of FDIC Quarterly.
Fed Survey: Loan Easing Trend Slows as Recovery Pace Cools in Q3
While banks continued to remain in a posture of easing standards on commercial, mortgage and personal loan products, the easing trend slowed in the third quarter from the prior two quarters, according to the Federal Reserve’s senior loan officer opinion survey released today.
OCC’s Hsu Says CRA Modernization on ‘Aggressive Timeline’
Testifying before the Senate Banking Committee today, Acting Comptroller of the Currency Michael Hsu said that the OCC has aggressive internal timelines for working with the Federal Reserve and FDIC to put forward a joint rulemaking that strengthens and modernizes the Community Reinvestment Act.
Business Recovery Drives Business Loan Demand, Eased Standards
As the small business recovery took off in the second quarter, a substantially larger share of banks reported easing standards for business loans, continuing the easing trend seen in the first quarter of 2021, according to the senior loan officer opinion survey released by the Federal Reserve today.
What’s Driving the Hottest CRE Markets: Housing, Housing, Housing
With post-pandemic effects hindering many traditional CRE markets, developers are turning to multifamily housing to meet demand.
FDIC Proposes to Align Real Estate Lending Standards with CBLR
The FDIC proposed changes to its guidelines for real estate lending policies in order to align standards with the community bank leverage ratio, which does not require electing institutions to calculate tier 2 capital or total capital.
OCC’s Hsu Warns Against ‘Complacency’ as Recovery Revs Up
With projected economic growth expected to create a positive environment for bank performance in the remainder of 2021 and 2022, according to the OCC’s newly released Semiannual Risk Perspective, newly appointed Acting Comptroller Michael Hsu today said “it’s critical that bankers and their regulators guard against complacency.”
Banks See Rising Demand for Jumbo Mortgages as Broader Credit Market Stabilizes
Rising home prices in many U.S. markets appear to have pushed up demand for—and banks’ offering of—jumbo mortgage loans, according to the Federal Reserve’s senior loan officer survey released today.
Staying One Step Ahead of Credit Risk
Four tips for avoiding commercial real estate defaults as clients emerge from the COVID crisis.