Building on its new final rule establishing revised risk-based premiums for large insured depositories and those that are deemed highly complex, the FDIC has solicited views on how adjustments could be made to the factors driving these premiums. Although the FDIC describes this NPR as technical, the scope of possible adjustments and the amount of premiums paid by large banks means that up-or-down adjustments have significant financial impact on covered firms. Thus, the quantitative and qualitative factors described in this guidance could affect an array of asset-and-liability management decisions, furthering the FDIC’s impact on decisions previously subject solely to sanction by a bank’s primary regulator.
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