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Manage Credit Risk
Read BankNews e-Digest Online 

June 20, 2012

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Manage Credit Risk 

By Bo Singh  

There have been more than 400 bank closures since 2008 and most of them were closed because of failure to adequately manage credit risk. How a bank selects and manages its credit risk is critically important to its performance over time, and capital depletion through loan losses has been the primary cause of most institution failures. Setting proper risk tolerances is the first step in effectively managing credit risk. Read more>>  

Agencies Issue Final Rule on Risk-Based Capital Standards: Market Risk
The federal bank regulatory agencies have jointly issued a final rule modifying the risk-based capital standards for market risk. The final rule incorporates improvements to the current trading book capital regime as proposed by the Basel Committee on Banking Supervision in Revisions to the Basel II Market Risk Framework published in July 2009 and The Application of Basel II to Trading Activities and the Treatment of Double Default Effects, published in July 2005. Read more>>
Green Leaf Award Open to All Banks

BankNews is accepting entries in the 2012 Green Leaf Awards, recognizing banks across the country helping their communities and the environment. Entries are divided into asset size, giving every bank an opportunity to be recognized. To enter or for more information, click here.
Video: Community Banks See Advantage When Big Banks Struggle
New Jersey The banking industry took a hit during the economic downturn, but some involved in banking believe the tide is turning for the better. Capital Bank of New Jersey President and CEO David Hanrahan said that "the industry is getting healthier and healing." He also said community banks are in a better position than larger institutions, which can only grow so much. He sat down with NJ Today Managing Editor Mike Schneider to discuss New Jersey's banking industry. Click here to view video>>
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Managing Multiple Projects and Priorities

No matter where you work, the work never stops coming. Whether handling your standard workload or now, with the economic slowdown and fewer co-workers, even more work than usual - the work must get done. We all need to find a working style for ourselves that allows us to set priorities, manage critical projects and manage conflicting demands, including those set by other.. Click here to register.  

ICBA: Ending Deposit Coverage Will Disproportionately Affect Minority Communities
Abruptly ending full FDIC coverage of $1.3 trillion in deposits will disproportionately affect minority community banks and their customers, the Independent Community Bankers of America's Minority Bank Council told Congress. In a letter to congressional leaders, the chairman and vice chairman of the council wrote that a temporary, five-year extension of the FDIC's transaction account guarantee insurance would preserve the economic recovery in minority communities. Read more>>
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BankNews Introduces RDC Marketplace
The BankNews RDC Marketplace is designed to help you save time and money by leveraging the power of the Network and connecting you with leading-industry solutions providers. If your bank or credit union is considering remote deposit capture, leverage the power of our network for free. Read more>>.
Five Factors to Drive Consumer Adoption of Mobile Banking
As more financial institutions have begun to offer mobile financial services, the question of how to encourage consumer adoption and usage has come to the forefront. When a new technology such as mobile banking is introduced, there is typically a group of early adopters who are eager to begin using the service. According to actual adoption figures from Fiserv, a financial institution can expect about 20 percent of eligible users to begin using mobile banking within 18 months of launching the service. Read more>>
CEO of Sturdy Savings Bank Appointed to Advisory Council
The Federal Reserve Bank of Philadelphia has appointed Gerald L. Reeves, president, CEO and director of Sturdy Savings Bank, Stone Harbor, N.J., to the Community Depository Institutions Advisory Council for a three-year term. Read more>>
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