Safety and soundness used to mean things you did to avoid bank failure. Now, with new risk management guidelines mandating you be scored on how well you control risk, special examination teams have been trained to focus on nothing but an institution's compliance with safety and soundness regulations. They’ll be looking at how well you control interest rate, credit, liquidity, and legal risks, to name just a few areas, and measuring your safety and soundness with a numerical score.

This comprehensive, regularly updated, clear and easy-to-use manual helps you keep up with changing safety and soundness requirements without a lot of time and effort. Instead of trying to create your own interpretations and approaches to each mandated standard and regulatory release, you can go by the book. Your staff stays up-to-speed more easily. And you can be sure that everything the examiners look for is covered. Best of all, when the written regulations are vague or unclear about what constitutes compliance, our experts draw on proven approaches to give you the guidance you want.

Topics include:

• Capital requirements and interest rate risk
• Restrictions on deposits, lending and investments
• Restrictions on real estate transactions
• Dealing with insiders and related parties
• Contracts adverse to safety and soundness
• Interbank liabilities
• Brokered deposits and risk-based insurance premiums
• Lending limits, and more

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