Supervisors Symposium - December 2023

Internal Use Only

So what do the Regulators see as the risks to the financial services sector . . .

2018 and beyond 2023

Credit Risk

Operational

Capital

Strategic

Management

Sensitivity

Earnings

Legal & Regulatory

Liquidity

CRA Fair Lending

BSA

Reputation

Climate Risk

Cyber

Compliance

Valuatio n

Corp Governance

Risk Management

Economy

Pandemic

The chart above illustrates the CAMELS+ components and the overall regulatory focus on each component. Over time, each of these components shift based upon the overall projected banking environment.

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© 2023 –FinPro, Inc.

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Internal Use Only

Risk

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© 2023 –FinPro, Inc.

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