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Banking Essentials Newsletter 2021: December Edition


Automating Credit Risk Surveillance Using Statistical Models


Post-webinar Q&A: Speed and Scalability – Automation in Credit Risk Modeling

Case Study

A Chinese Bank Takes Steps to Minimize Risks as it Supports International Trade

Banking, most read

This week's most read contentincludes SNL Financial's 2016 U.S. Small Bank Market Report and a look at whatbanks and credit unions think about the current expected credit loss accountingmodel.

Banks headquartered in oil-heavy states increased loanloss provisioning at a far greater rate than U.S. banks generally in the 2015fourth quarter. But since reserves are coming up from a low base, some analyststhink banks will need to keep provisioning at elevated levels to deal with theenergy fallout.

Respondents to a new survey by S&P Global MarketIntelligence highlighted the complexity and the costs involved with the pendingcurrent expected credit loss accounting model, or CECL.

Long-awaited margin expansion could come for smallbanks if interest rates move higher, but returns at the nation's smallestinstitutions will likely remain low over the next few years as credit costsemerge as a headwind to earnings.

Hopes continue to run high that community banks willshow ongoing loan growth with their first-quarter earnings reports, despiteconcerns about the oil-price crash and the turbulence in markets this year,Kevin Dobbs noted in this blog post.

As the taxi business struggles to stabilize amid themarket disruption wrought by Uber and Lyft, bankers with exposure to themedallion lending business are warning of further potential stress for theirborrowers.