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Federal Deposit
Insurance Corporation

Each depositor insured to at least $250,000 per insured bank

San Francisco Region Bankers' Forum:
Teleconference on Commercial Real Estate Concentrations Topics

Monday, March 10, 2014
1:00pm PM – 2:15 PM Pacific

FDIC examination staff will share their expertise and discuss hot topics from a risk management perspective.  Our recent FDIC Credit and Consumer Products/Services Survey indicates that banks have generally reduced higher risk lending practices and the industry’s financial results are encouraging.  Nevertheless, growth in concentrated portfolios has been a recurring theme in banking crises, including the farm crisis in the early 1980s, the oil and gas crisis in the mid-1980s, the New England real estate crisis in the early 1990s, and the most recent crisis.

Some institutions in the San Francisco Region have been identified as having a heightened concentration in commercial real estate (CRE) loans coupled with substantive growth.  Accordingly, we plan to review regulatory expectations and share lessons learned from the recent financial crisis. Our teleconference will focus on sound CRE lending practices, including those delineated in the Joint Guidance on Commercial Real Estate Lending issued on December 12, 2006 and Managing Commercial Real Estate Concentrations in a Challenging Environment issued on March 17, 2008.

The 45-minute presentation will be followed by a 30-minute question and answer session.  To ensure participant questions are addressed, participants will have the opportunity to email their questions in advance to FDICSanFrancisco@FDIC.gov.  Questions may also be submitted during the live broadcast.

Who Should Attend
San Francisco Region Supervised Banks:  We encourage bank presidents, chief executive officers, chief risk officers, chief operating officers, chief credit officers, appraisal reviewers, loan and operations officers, internal auditors, and loan reviewers to attend.

Registration Information
There is no requirement to pre-register for the call.  To participate, simply follow the instructions provided in the email invitation that was previously distributed to all FDIC-supervised institutions in the San Francisco Region.  If you did not receive an email invitation, but wish to participate in the call, please send an email to FDICSanFrancisco@FDIC.gov and include your name, title, and bank name/location.

To allow sufficient connection time for all participants, we encourage you to call at least 15 minutes prior to the beginning of the teleconference.

Presentation Materials - PDF

Contact
Shannan Todd
Special Assistant to the Deputy Regional Directors