ROCA REPORT CARD Presented to Institute of International Bankers March 4, 2008.
11
ROCA REPORT CARD ROCA REPORT CARD Presented to Institute of Presented to Institute of International Bankers International Bankers March 4, 2008 March 4, 2008
-
Upload
claire-maxwell -
Category
Documents
-
view
216 -
download
0
description
ROCA REPORT CARD Trend 2005 to 2007
Transcript of ROCA REPORT CARD Presented to Institute of International Bankers March 4, 2008.
ROCA REPORT CARDROCA REPORT CARD
Presented to Institute of Presented to Institute of International Bankers International Bankers
March 4, 2008March 4, 2008
ROCA REPORT CARDROCA REPORT CARD2007 Overview2007 Overview
3 Exam cycle review3 Exam cycle review
Branches and Agencies OnlyBranches and Agencies Only
95 Examinations versus 97 in 200695 Examinations versus 97 in 2006
ROCA REPORT CARDROCA REPORT CARDTrend 2005 to 2007Trend 2005 to 2007
Composite
2005
2006
2007
1.91.911.921.931.941.951.961.971.981.99
2
Average ratings this exam cycle versus prior Average ratings this exam cycle versus prior exam cyclesexam cycles
YearYear 2005 2006 2005 2006 20072007 Risk 1.83 1.79 Risk 1.83 1.79 1.851.85 OperationsOperations 1.94 1.95 1.94 1.95 1.971.97 Compliance 2.05 2.07 Compliance 2.05 2.07 2.222.22 Asset Quality 1.40 1.26 Asset Quality 1.40 1.26 1.231.23
ROCA REPORT CARDROCA REPORT CARD
ROCA REPORT CARDROCA REPORT CARD
Risk Management
2005
2006
2007
1.76
1.78
1.8
1.82
1.84
1.86
Operational Control
2005
2006
2007
1.92
1.93
1.94
1.95
1.96
1.97
1.98
ROCA REPORT CARDROCA REPORT CARD
Compliance
20052006
2007
1.95
2
2.05
2.1
2.15
2.2
2.25
Asset Quality
2005
20062007
1.1
1.15
1.2
1.25
1.3
1.35
1.4
1.45
ROCA REPORT CARDROCA REPORT CARD CompositeComposite Most recent exam 1.99Most recent exam 1.99
Prior exam cycle 1.97Prior exam cycle 1.97 Slight decline in the average composite ROCASlight decline in the average composite ROCA
Risk Management , Compliance, and Operations Risk Management , Compliance, and Operations declineddeclined
Asset Quality Improved Asset Quality Improved
ROCA REPORT CARDROCA REPORT CARD
RRisk – 7 Upgrades, 11 downgradesisk – 7 Upgrades, 11 downgrades
OOperations - 7 upgrades 9 downgradesperations - 7 upgrades 9 downgrades
CCompliance 2 upgrades, 15 downgradesompliance 2 upgrades, 15 downgrades
AAsset quality- 9 upgrades 4sset quality- 9 upgrades 4 downgradesdowngrades
ROCA REPORT CARDROCA REPORT CARD
Changes of 2 grades, all downgradesChanges of 2 grades, all downgrades
Seen in all components, no composite Seen in all components, no composite ratingsratings
1 each Risk, Ops, Compliance, Asset 1 each Risk, Ops, Compliance, Asset QualityQuality
ROCA REPORT CARDROCA REPORT CARD
This data includes both Continuous This data includes both Continuous supervision and point in time exams.supervision and point in time exams.
Alternate year and joint agency exams Alternate year and joint agency exams included.included.
Exams performed by FRBNY, FDIC and Exams performed by FRBNY, FDIC and NYS NYS
ROCA REPORT CARDROCA REPORT CARD
David S. FredsallDavid S. Fredsall Deputy Superintendent Deputy Superintendent Foreign and Wholesale Banks DivisionForeign and Wholesale Banks Division New York State Banking DepartmentNew York State Banking Department [email protected]@banking.state.ny.us www.banking.state.ny.uswww.banking.state.ny.us
