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Capital & Safety
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Capital & Safety
Pre-Provision Net Revenue (PPNR): What It Is and Why It Matters
In Q4 2023, a mid-size regional bank reported a net loss after booking a $140 million provision catch-up under the CECL transition. Its pre-provision …
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Capital & Safety
Bank Failures and the FDIC Problem Bank List: What the Data Shows
Silicon Valley Bank had a tangible common equity ratio that had been declining for six quarters before March 2023. The concentration in long-duration securities …
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Capital & Safety
Bank Stress Testing Explained: DFAST, CCAR, and What the Scenarios Actually Test
In the Fed's 2023 stress test, the severely adverse scenario assumed unemployment climbing to 10%, commercial real estate prices dropping 40%, and a broad …
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