Risk Review
The 2024 Risk Review provides an overview of banking conditions in 2023 in five broad categories: market risks, credit risks, operational risks, crypto-asset risks, and climate-related financial risks. The market risks areas discussed are liquidity, deposits and funding, and net interest margins and interest rate risk. The credit risks areas discussed are commercial real estate, residential real estate, consumer, agriculture, small business, corporate debt and leveraged lending, nonbanks, and energy. The discussion of operational risks examines the potential negative impact to banks from cyber threats and illicit activity. The crypto-asset risks section discusses the FDIC’s approach to understanding and evaluating crypto-asset-related markets and activities. The discussion of climate-related financial risks focuses on the physical risk of severe weather and climate events to the banking system. Monitoring these risks is among the FDIC’s top priorities.
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- Introduction
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Section 1: Executive Summary
- Key Risks to Banks
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Section 2: Overview of Conditions and Banking Performance
- Economic and Financial Market Conditions
- Banking Performance Overview
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Section 3: Market Risks
- Liquidity, Deposits, and Funding
- Net Interest Margins and Interest Rate Risk
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Section 4: Credit Risks
- Commercial Real Estate
- Residential Real Estate
- Consumer
- Agriculture
- Small Business
- Corporate Debt and Leveraged Lending
- Nonbank
- Energy
- Section 5: Operational and Cyber Risks
- Section 6: Climate-Related Financial Risks
- Section 7: Crypto-Asset Risks
- Acronyms and Abbreviations
- Glossary of Terms