Stress test scenarios for banks with $250 billion or more in assets were released Thursday by two federal banking regulators, with submissions due by April 5 and public release of the results required between June 15 and July 15.
In separate releases, the Office of the Comptroller of the Currency (OCC) and the Federal Deposit Insurance Corp. (FDIC) said they released economic and financial market scenarios for use in the upcoming stress tests. “Covered institutions are required to use the scenarios to conduct stress tests,” the OCC said. “The results of the company-run stress tests provide the OCC with forward-looking information used in bank supervision and assist the agency in assessing a covered institution’s risk profile and capital adequacy.”
The data “as-of” date is Dec. 31 prior to the submission due date, the OCC said.
The FDIC said the scenarios include baseline and severely adverse scenarios (which were developed in conjunction with the OCC and the Federal Reserve). “The baseline scenario is in line with a survey of private sector economic forecasters,” the FDIC said. “The severely adverse scenario is not a forecast, rather, it is a hypothetical scenario designed to assess the strength and resilience of financial institutions. Each scenario includes 28 variables—such as gross domestic product, the unemployment rate, stock market prices, and interest rates—covering domestic and international economic activity.”
OCC Releases Dodd-Frank Act Stress Test Scenarios for 2026
FDIC Releases Economic Scenarios for 2026 Stress Testing
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