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May 24, 2018

OCC published a semi-annual report that addresses key risks facing banks in the United States. The spring 2018 report reflects bank data as of March 31, 2018, unless otherwise indicated.

The report focuses on risks that pose threats to the safety and soundness of banks and their compliance with applicable laws and regulations. It presents data in five main areas: the operating environment, bank performance, special topics in emerging risk, trends in key risks, and supervisory actions. The report covers issues that pose threats to the financial institutions regulated by OCC and is intended as a resource for the industry, examiners, and the public. The report highlights the following:

  • Competition for quality loans is strong, as examiners note evidence of eased underwriting. The accommodating credit environment warrants a continued focus on underwriting practices to monitor and assess credit risk and lender complacency.
  • Operational risk is elevated as banks adapt business models, transform technology and operating processes, and respond to evolving cyber threats.
  • Compliance risk is elevated as banks manage money laundering risks and implement changes to policies and procedures to comply with amended Bank Secrecy Act and consumer protection requirements.
  • The continued increase in market interest rates may eventually lead to higher funding costs for banks, as economic growth increases loan demand and competition for funding pressures banks to raise deposit yields.


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Keywords: Americas, US, Banking, Credit Risk, Concentration Risk, Operational Risk, Compliance Risk, OCC

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