Supervisory Insights - Summer 2013 - PDF
Letter from the Director
Articles
Credit Risk Assessment of Bank Investment Portfolios
The issuance of new permissible investment regulations for insured institutions reinforces the importance of proper due diligence by financial institutions. This article discusses supervisory expectations for credit-risk due diligence of the investment portfolio, provides examples of how to conduct due diligence, and lists questions examiners may consider when assessing an institution’s credit risk management practices.
Mergers and Acquisitions: A Compliance Perspective
Ensuring compliance with consumer protection regulations is a critical aspect of planning for financial institution mergers and acquisitions. This article identifies issues for bankers to consider when conducting compliance-focused due diligence.
From the Examiner’s Desk: The Evolution of Bank Information Technology Examinations
As banks continue to expand their use of technology, and incidents of cyber threats and cyber attacks are increasing, the role of information technology (IT) examinations in promoting effective IT risk management practices takes on added importance. This article describes today’s IT examination goals and processes, and offers examples of how banks can improve the effectiveness of their information security programs.
Regular Features
Regulatory and Supervisory Roundup
This feature provides an overview of recently released regulations and supervisory guidance.
Supervisory Insights
Supervisory Insights is published by the Division of Risk Management Supervision of the Federal Deposit Insurance Corporation to promote sound principles and practices for bank supervision.
Martin J. Gruenberg
Chairman, FDIC
Doreen R. Eberley
Director, Division of Risk Management Supervision
Journal Executive Board
Division of Risk Management
Supervision
George E. French, Deputy
Director and Executive Editor
James C. Watkins, Deputy Director
Melinda West, Deputy Director
Division of Depositor and Consumer
Protection
Sylvia H. Plunkett, Senior Deputy Director
Jonathan N. Miller, Deputy Director
Regional Directors
Thomas J. Dujenski, Atlanta Region
Kristie K. Elmquist, Dallas Region
Stan R. Ivie, San Francisco Region
James D. LaPierre, Kansas City Region
M. Anthony Lowe, Chicago Region
John F. Vogel, New York Region
Journal Staff
Kim E. Lowry
Managing Editor
Daniel P. Bergman
Financial Writer
Jeffrey A. Fahrmann
Financial Writer
Supervisory Insights is available online by visiting the FDIC’s website at www.fdic.gov. To provide comments or suggestions for future articles, to request permission to reprint individual articles, or to request print copies, send an e-mail to SupervisoryJournal@fdic.gov.
The views expressed in Supervisory Insights are those of the authors and do not necessarily reflect official positions of the Federal Deposit Insurance Corporation. In particular, articles should not be construed as definitive regulatory or supervisory guidance. Some of the information used in the preparation of this publication was obtained from publicly available sources that are considered reliable. However, the use of this information does not constitute an endorsement of its accuracy by the Federal Deposit Insurance Corporation.