2019 Risk Review
The Risk Review provides a summary of risks that ultimately may affect FDIC-insured institutions and the FDIC’s Deposit Insurance Fund. Much of the discussion focuses on risks that may affect community banks. As the primary federal regulator for the majority of community banks in the United States, the FDIC is well-positioned to discuss risks that may affect the U.S. banking system, and community banks in particular, and to benefit from this public discussion.
The 2019 report summarizes conditions in the U.S. economy, financial markets, and banking industry, and presents key risks to banks in two broad categories: credit risk and market risk. Among the credit risk areas discussed are agriculture, commercial real estate, energy, housing, leveraged lending and corporate debt, and nonbank lending. Market risks discussed in the report include interest rate risk and deposit competition, and liquidity.
Section I is an executive summary. Section II is an overview of economic, financial market, and banking industry conditions. Section III provides our assessment of the key risks facing banks.
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Complete Report - PDF
Table of Contents
- Key Risks to Banks
- U.S. Economic Overview
- Financial Markets
- Banking Industry Overview
- Commercial Real Estate
- Leveraged Lending and Corporate Debt
- Nonbank Financial Institution Lending
- Interest Rate Risk and Deposit Competition