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Upcoming League Events


Webinar: Stress Testing for Enterprise Risk Management



Wednesday, July 23, 2014

2:00 - 3:30 pm CST


Speaker: S. Wayne Linder, Young & Associates, Inc.


About the Program

Enterprise risk management (ERM) stress testing continues to be one of the regulators’ hot buttons. Guidance has been issued to provide direction to financial institutions with $10 billion or less in total assets on using stress testing to identify and quantify risk in the existing balance sheet and help establish effective strategic and capital planning processes. The emphasis is that all financial institutions, regardless of size, should have the capacity to analyze the potential impact of adverse outcomes on their financial condition.


Additionally, regulators have provided guidance for enterprise risk stress testing for institutions with consolidated assets of more than $10 billion. While initially intended for these large financial institutions, many of the significant points apply to all financial institutions in the various stress tests they conduct or will be expected to conduct. These principles represent the regulators’ views of best practices and define their expectations.


With these issuances, the regulators state that all financial institutions should be using stress testing for three types of risk – credit, interest rate, and funding/liquidity – as a part of their ERM program. Accordingly, the regulators state “Community [financial institution] management can use stress testing to establish and support reasonable risk appetite and tolerances, set concentration limits, adjust strategies, and appropriately plan for and maintain adequate capital levels.” This presentation will help you establish and use stress testing as recommended by the regulators.


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