Bank Examination

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Bank Examination

A regular inspection performed by a regulator on a bank. An examination evaluates the number and quality of loans a bank makes, the quality of the bank's other assets and its compliance with regulation. An examination helps determine the stability and solvency of the bank in question. It often involves personal visits by examiners to the bank.
References in periodicals archive ?
Bank Examinations. www.fdic.gov/regulations/examinations/index.html [Accessed February 18, 2010].
The courts recognize that the report of a bank examiners (80) is protected by a qualified privilege, known as a bank examination privilege.
Suppose that a single government entity provides deposit insurance and performs bank examinations. This agency chooses a policy ([pi], [phi]) subject to the incentive and budget constraints in the problem above.
The results of bank examinations are intended for bank directors and management only.
Comparison of Traditional Bank Examinations with Risk-Focused Supervision for LCBOs Traditional Bank Examinations Risk-Focused Supervision for LCBOs Supervisory process is focused on Supervisory process is continuous a single point in time and is and is more tuned to market rarely continuous unless there developments.
In carrying out bank examinations, examiners must balance several considerations.
Although such information can be obtained in part from regulatory reports and public disclosures, a key source is the on-site bank examination. Bank examinations enable supervisors to confirm the accuracy of information in regulatory reports.
To listen to them whine about bank examinations, one would think they were being subjected to physical torture.
This legislation reduces the discretion that federal bank supervisors once had in scheduling bank examinations.(2)
Toward this end, bank examinations must be more frequent and more thorough than has been generally the case in recent years.
While AT supports the bill's intent, which is to promote consistency of bank examinations and enhance consistency in the interpretation and understanding of bank examination guidelines and regulations, there is concern about parts of the legislation that state a new appraisal is not required on a commercial loan unless an advance of new funds is involved.
We have placed an increasing reliance on automation to provide a more flexible approach to bank examinations - an approach that is risk-oriented, cost-effective, and sensitive to the burden placed on banks.