Author: Adam Mustafa, CEO
Reports are emerging about regulators prescribing Individual Minimum Capital Requirements (IMCRs) to banks with Commercial Real Estate (CRE) and construction loan concentrations. IMCRs are often...
Concentration management is becoming a dynamic and data-driven process in the post-pandemic world. Community banks that have always managed their concentrations by simply throwing darts at a board will find themselves in the regulatory crosshairs if they don’t adapt to the new paradigm. More importantly, their banks will be at a competitive disadvantage, missing opportunities to expand balance sheet capacity to drive earnings without having to raise additional capital or walking away from loans altogether.
A new Invictus Group white paper reveals how the pandemic exposed pitfalls in traditional concentration risk management, and why and how the process needs to change. To learn more about Active Concentration Management, download our primer for community banks.
Invictus Blog, banking, liquidity, stress testing
Author: Adam Mustafa, CEO
Reports are emerging about regulators prescribing Individual Minimum Capital Requirements (IMCRs) to banks with Commercial Real Estate (CRE) and construction loan concentrations. IMCRs are often...
Invictus Blog, banking, liquidity, stress testing
Author: Patti Casaleggio, Head of Operations
Navigating regulatory landscapes can be challenging, especially for financial institutions facing increased scrutiny and evolving standards. Effective communication with regulators is...
Invictus Blog, banking, liquidity, stress testing
Author: Patti Casaleggio
As we navigate today’s intricate landscape of financial risk management, stress testing remains a cornerstone of proactive risk mitigation for banks. In today's dynamic environment, securing the right...