Risk Management Manual of Examination Policies - FDIC

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INDEX Section 0.1 Offshore Transactions 9.1-12 Wire Transfers 9.1-13 Money Laundering 9.1-14 Securities Trading Activities 9.1-16 Miscellaneous 9.1-17 Section 10.1 – SUSPICIOUS ACTIVITY AND CRIMINAL VIOLATIONS Introduction 10.1-1 Bank Management’s Role 10.1-1 The Examiner’s Role 10.1-2 Interagency Cooperation 10.1-2 Examiner Assistance to Federal Law Enforcement Authorities 10.1-3 Federal Grand Jury Subpoenas 10.1-3 Safeguarding and Documenting Evidence 10.1-4 Notification to the Bonding Company 10.1-4 Other Matters of Importance 10.1-5 Criminal Statutes 10.1-5 Section 11.1 - INTERNATIONAL BANKING Introduction 11.1-1 Country Risk Management 11.1-2 International Activities 11.1-6 Supervision of U.S. Operations of Foreign Banks and Other International Banking Entities 11.1-20 Laws and Regulations 11.1-28 Glossary of International Banking Terminology 11.1-30 Section 12.1 - APPLICATIONS Applications for Deposit Insurance 12.1-1 Applications to Establish a Branch or to Move Main Office or Branch 12.1-12 Applications for Consent to Exercise Trust Powers 12.1-12 Change in Bank Control Act 12.1-15 Application for Retirement of Capital 12.1-17 Applications for Mergers 12.1-18 Applications by Undercapitalized Depository Institutions for a Waiver to Accept, Renew Or Rollover Brokered Deposits 12.1-20 Policy Statement on Encouragement and Preservation of Minority Ownership of Financial Institutions 12.1-21 Applications Pursuant to Section 19 of the FDI Act – Crimes Involving Dishonesty or Breach of Trust or Money Laundering, or Pretrial Diversion Programs for Such Offenses 12.1-22 Applications Pursuant to Part 362 of the FDIC’s Rules and Regulations – Activities and Investments of Insured Depository Institutions 12.1-23 Other Applications 12.1-23 PART IV - ADMINISTRATIVE & ENFORCEMENT ACTIONS Section 13.1 - MEMORANDUMS OF UNDERSTANDING Introduction 13.1-1 Section 14.1 - CIVIL MONEY PENALTIES DSC Risk Management Manual of Examination Policies 0.1-5 Index (12-04) Federal Deposit Insurance Corporation
INDEX Section 0.1 Introduction 14.1-1 Violations 14.1-1 Assessment of Civil Money Penalties 14.1-1 Examination Procedures 14.1-3 Other Considerations 14.1-4 Guidelines for Using the CMP Matrix 14.1-5 Section 15.1 - FORMAL ADMINISTRATIVE ACTIONS Introduction 15.1-1 Reports of Examination Containing a Basis for Section 8 Charges 15.1-1 Unsafe or Unsound Practices 15.1-3 Section 8(a) - Termination of Insurance 15.1-5 Cease and Desist Proceedings 15.1-6 Suspension and Removal Procedures 15.1-9 Use of Written Agreements and Capital Directives 15.1-11 Prompt Corrective Action Directive 15.1-12 Orders to Correct Safety and Soundness Deficiencies 15.1-12 Capital Plans 15.1-13 PART V - EXAMINATION REPORT Section 16.1 – REPORT OF EXAMINATION INSTRUCTIONS 16.1-1 Section 17.1 - BANK OF ANYTOWN-REPORT OF EXAMINATION 17.1-1 Section 18.1 – REPORT OF INVESTIGATION INSTRUCTIONS 18.1-1 Section 19.1 - BANK OF ANYTOWN-REPORT OF INVESTIGATION 19.1-1 Index (12-04) 0.1-6 DSC Risk Management Manual of Examination Policies Federal Deposit Insurance Corporation
Page 1 and 2: DSC Risk Management Manual of Exami
Page 3 and 4: INDEX Section 0.1 Policies, Procedu
Page 5: INDEX Section 0.1 Liquidity Managem
Page 9 and 10: BASIC EXAMINATION CONCEPTS AND GUID
Page 29 and 30: CAPITAL Section 2.1 INTRODUCTION Pu
Page 31 and 32: CAPITAL Section 2.1 Interests in As
Page 33 and 34: CAPITAL Section 2.1 the holder prio
Page 35 and 36: CAPITAL Section 2.1 • Qualifying
Page 37 and 38: CAPITAL Section 2.1 application sub
Page 39 and 40: CAPITAL Section 2.1 may leave the b
Page 41 and 42: CAPITAL Section 2.1 procedures empl
Page 43 and 44: CAPITAL Section 2.1 growth and rema
Page 45 and 46: ASSET QUALITY Section 3.1 INTRODUCT
Page 47 and 48: LOANS Section 3.2 INTRODUCTION The
Page 49 and 50: LOANS Section 3.2 Qualifications of
Page 51 and 52: LOANS Section 3.2 to the ALLL), an
Page 53 and 54: LOANS Section 3.2 PORTFOLIO COMPOSI
Page 55 and 56: LOANS Section 3.2 • Require reaso
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LOANS Section 3.2 Internal Controls
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LOANS Section 3.2 continue to suppo
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LOANS Section 3.2 board of director
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LOANS Section 3.2 the institution's
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LOANS Section 3.2 such as for lives
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LOANS Section 3.2 Classification Gu
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LOANS Section 3.2 checks; terms in
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LOANS Section 3.2 • Sublicensee B
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LOANS Section 3.2 similar propertie
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LOANS Section 3.2 policies and proc
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LOANS Section 3.2 Moreover, since t
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LOANS Section 3.2 generally should
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LOANS Section 3.2 exercise control
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LOANS Section 3.2 Problems in this
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LOANS Section 3.2 that reveal other
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LOANS Section 3.2 Other loans of qu
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LOANS Section 3.2 be determined whe
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LOANS Section 3.2 time period elaps
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LOANS Section 3.2 individual apprai
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LOANS Section 3.2 controls over its
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LOANS Section 3.2 consistent with t
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LOANS Section 3.2 such funds, the m
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LOANS Section 3.2 security interest
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LOANS Section 3.2 unambiguous terms
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LOANS Section 3.2 Trustees are sele
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LOANS Section 3.2 be valid but cert
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LOANS Section 3.2 Overview of the S
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LOANS Section 3.2 Although some ins
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LOANS Section 3.2 • Portfolio gro
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LOANS Section 3.2 pricing decisions
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LOANS Section 3.2 trends, condition
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LOANS Section 3.2 provide additiona
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SECURITIES AND DERIVATIVES Section
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CASH AND DUE FROM BANKS Section 3.4
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CASH AND DUE FROM BANKS Section 3.4
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PREMISES AND EQUIPMENT Section 3.5
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PREMISES AND EQUIPMENT Section 3.5
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OTHER REAL ESTATE Section 3.6 Under
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OTHER ASSETS AND LIABILITIES Sectio
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OFF-BALANCE SHEET ACTIVITIES Sectio
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MANAGEMENT Section 4.1 INTRODUCTION
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MANAGEMENT Section 4.1 consequently
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MANAGEMENT Section 4.1 overdue, ren
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MANAGEMENT Section 4.1 money launde
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MANAGEMENT Section 4.1 management l
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MANAGEMENT Section 4.1 • An adequ
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MANAGEMENT Section 4.1 • Troubled
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MANAGEMENT Section 4.1 management i
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INTERNAL ROUTINE AND CONTROLS Secti
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RELATED ORGANIZATIONS Section 4.3
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RELATED ORGANIZATIONS Section 4.3 c
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RELATED ORGANIZATIONS Section 4.3 U
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RELATED ORGANIZATIONS Section 4.3 i
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RELATED ORGANIZATIONS Section 4.3 A
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RELATED ORGANIZATIONS Section 4.3 c
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RELATED ORGANIZATIONS Section 4.3 S
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RELATED ORGANIZATIONS Section 4.3 w
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RELATED ORGANIZATIONS Section 4.3 r
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RELATED ORGANIZATIONS Section 4.3 A
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FIDELITY AND OTHER INDEMNITY PROTEC
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VIOLATIONS OF LAWS AND REGULATIONS
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VIOLATIONS OF LAWS AND REGULATIONS
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MISCELLANEOUS BANKING ACTIVITIES Se
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EARNINGS Section 5.1 structure will
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EARNINGS Section 5.1 demand is low)
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EARNINGS Section 5.1 2. Certain dir
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EARNINGS Section 5.1 capital and al
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LIQUIDITY AND FUNDS MANAGEMENT Sect
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SENSITIVITY TO MARKET RISK Section
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BANK SECRECY ACT, ANTI-MONEY LAUNDE
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BANK FRAUD AND INSIDER ABUSE Sectio
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SUSPICIOUS ACTIVITY AND CRIMINAL VI
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INTERNATIONAL BANKING Section 11.1
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APPLICATIONS Section 12.1 Effective
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APPLICATIONS Section 12.1 for compa
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APPLICATIONS Section 12.1 be tantam
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APPLICATIONS Section 12.1 accept sh
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APPLICATIONS Section 12.1 consideri
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APPLICATIONS Section 12.1 accepted
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APPLICATIONS Section 12.1 The FDIC
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APPLICATIONS Section 12.1 employee
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APPLICATIONS Section 12.1 including
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APPLICATIONS Section 12.1 Branch cl
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APPLICATIONS Section 12.1 its accep
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APPLICATIONS Section 12.1 examinati
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MEMORANDUMS OF UNDERSTANDING Sectio
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CIVIL MONEY PENALTIES Section 14.1
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CMP MATRIX (Continued) Points Sugge
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FORMAL ADMINISTRATIVE ACTIONS Secti
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REPORT OF EXAMINATION INSTRUCTIONS
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BANK OF ANYTOWN ANYTOWN ANY COUNTY
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Examination Conclusions and Comment
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Risk Management Assessment 99999 1.
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Violations of Laws and Regulations
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Information Technology Assessment (
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Fiduciary Activities Assessment (Co
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Comparative Statements of Financial
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Recapitulation of Securities 99999
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Items Subject to Adverse Classifica
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Analysis of Loans Subject to Advers
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Assets with Credit Data or Collater
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Capital Calculations 99999 Tier 1 C
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Comparative Statements of Income an
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Extensions of Credit to Directors/T
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Confidential - Supervisory Section
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In-House Information Technology 999
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Directors/Trustees and Officers 999
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INTERNATIONAL REPORT PAGES AND WORK
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Analysis of the Country Exposure Ma
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International Loans, Acceptances, a
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International Loans, Acceptances, a
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Foreign Exchange Activities 99999 N
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Position Analysis - Other Currencie
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Revaluation and Income/Loss Analysi
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Policy and Procedures 99999 1. (a)
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Policy and Procedures (Continued) 9
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Audit and Internal Controls - Inter
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Parallel-Owned Banking Organization
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REPORT OF INVESTIGATION INSTRUCTION
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FDIC Report of Investigation THIS R
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Description of the Transaction INVE
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FINANCIAL HISTORY AND CONDITION Ass
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FINANCIAL HISTORY AND CONDITION (Co
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ADEQUACY OF THE CAPITAL STRUCTURE G
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ADEQUACY OF THE CAPITAL STRUCTURE (
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FUTURE EARNINGS PROSPECTS Assess th
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FUTURE EARNINGS PROSPECTS (Continue
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GENERAL CHARACTER OF THE MANAGEMENT
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IV. GENERAL CHARACTER OF THE MANAGE
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Interview Comments IV. GENERAL CHAR
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RISK TO THE FUNDS As a general matt
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VI. CONVENIENCE AND NEEDS OF THE CO
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OTHER PERTINENT INFORMATION If appl
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Source: Application for Federal Dep
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Service Continuity & Monitoring OTH
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