Bank Liquidity Requirements: An Introduction and Overview

whitePaper | July 10, 2023

Spreading tax returns is an essential task in commercial lending. As part of the process of standardizing information from financial statements into a consistent layout and format, it ultimately enables lenders to understand the story of a business through its numbers.

whitePaper | December 18, 2019

The financial services industry is in upheaval and while there is a lot of recent talk about rising complexity and disruption, this transformation has actually been almost twenty years in the making. Since the year 2000, banks have faced stricter and more regulations, driving up the cost of compliance. Investment in new fintech players has grown steadily in the last decade.

whitePaper | July 1, 2022

Over the last few years, ESG (environmental, social, and governance) has become an important theme for banks across the world. Europe is at the forefront of this development, fueled by a rapidly-evolving regulatory framework. Banks also face pressure to embrace ESG principles from other stakeholders. Investors are attracted by the growth opportunities of ESG as a way for banks to preserve their long-term value, while customers and employees increasingly demand higher standards of their company’s operations.

whitePaper | June 11, 2022

Prudent cash and liquidity management is critical in times like these. Cash management practices can make or break a business. Businesses that managed cash and liquidity prudently before the pandemic have remained resilient, while less-prepared businesses faced existential threats in the face of a liquidity crunch. As businesses emerge from the uncertainty of the pandemic and chart paths to revenue and profit growth, senior executives have a rare opportunity to rethink the way their business manages its cash. Modernizing the underlying accounts receivable (AR) systems and processes that a business uses to apply, manage, and forecast its cash can create a culture that can result in long-term cash excellence.

whitePaper | May 7, 2020

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whitePaper | August 1, 2022

The Office of the Chief Accountant (OCA) is pleased to present the August 2022 edition of the Bank Accounting Advisory Series (BAAS). The BAAS expresses the OCA’s interpretations of accounting topics relevant to national banks and federal savings associations (collectively, banks or institutions, unless otherwise specified). We hope that you find this publication useful and that it continues to be a practical resource for bankers and examiners. The BAAS is updated annually to address ongoing accounting questions, newly issued and updated accounting standards, and emerging issues observed through March 31. Consistent with prior editions of the BAAS, the 2022 update does not focus on questions related to the impact of the Coronavirus Disease 2019 (COVID-19) and does not reflect policy statements and rules issued in response to the COVID-19 pandemic. COVID-19 policy statements and rules address specific challenges and are not intended to be used by analogy in non-COVID-19 situations.