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OCC: Rate Risk Is a Rising Peril.(Office of the Comptroller-interest rate risk)(Brief Article)
Interest rate risk has taken its place alongside perennial frontrunner credit risk atop the Office of the Comptroller of the Currency's list of risk management worries, said the agency's director of treasury and market risk, Kathryn Dick.
Because mortgages now account for such a significant percentage of bank assets, the industry is vulnerable to swings in interest rates like never before, Ms. Dick told a panel Oct. 28 at U.S. Bancorp Piper Jaffray's Financial Service Conference in New York.
Her worries are something new.
"I can say that in my twenty years this is the first time that credit risk has been challenged by another financial risk," said Ms. Dick.
She believes that large banks have generally done a decent job of hedging against interest rate risks, but that small and mid-sized institutions are leaving themselves in a bad position. She described smaller ...
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Source: HighBeam Research, OCC: Rate Risk Is a Rising Peril.(Office of the Comptroller-interest...