Bank/Thrift Supervision   |    Capital    |    CFPB    |    Deposit Insurance    |    Interchange    |    Mortgage Finance
Municipal Advisors   |    OCC-OTS Merger   |    Preemption    |    QM - QRM    |    Swaps   |    Volcker Rule    |    Full Topics List
Qualified Mortgage - Qualified Residential Mortgage
Consumer Financial Protection Bureau - CFPB
Bank/Thrift Holding Company Supervision
Deposit Insurance
Mortgage Finance
Municipal Advisors
OCC-OTS Merger
Volcker Rule
Corporate Governance
Financial Stability Oversight Council (FSOC)
Office of Financial Research (OFR)
Systemic Risk
Supervision and Oversight
Payment, Clearing and Settlement
Prudential Supervision
Trust & Securities
Asset-Backed Securities
Resolution Authority

Tuesday, August 23, 2016

FDIC ‘Matters Requiring Board Attention’ on the Wane

FDIC examinations are seeing far fewer write-ups of Matters Requiring Board Attention, the agency said in the summer issue of its Supervisory Insights publication, although corporate governance-related MRBAs are on the rise. The share of FDIC exam reports at satisfactorily rated banks that include MRBAs has fallen from 55% in 2011 to 36% in 2015.

MRBAs are down substantially for lending-related issues, although MRBAs related to concentration risk are more prevalent than before within the loan category. The FDIC said:
Bank management is generally responsive to addressing weaknesses identified in the MRBAs. In about 70% of the MRBAs reported in 2014 and 2015 examinations, bank management sufficiently addressed problem areas in the first response.

However, MRBAs have increased substantially over the past five years for board and management issues; more than half of satisfactory exam reports in 2014 and 2015 included a governance-related MRBA. Nearly half of the board or management MRBAs addressed policies, with other large shares focusing on audit and strategic planning. MRBAs have also risen for liquidity and Bank Secrecy Act issues.

This issue of Supervisory Insights also included a look at the lack of de novo activity in the banking industry and a defense of how the FDIC has handled de novo charter applications in recent years, as well as a regulatory and supervisory roundup.

Read Supervisory Insights.

No comments:

Post a Comment

Please read our comment policy before making a comment.