Regulacje i polityka gospodarcza · 19.12.1996

Uniform Financial Institutions Rating System

The Federal Financial Institutions Examination Council (FFIEC) is revising the Uniform Financial Institutions Rating System (UFIRS), which is commonly referred to as the CAMEL rating system. The term ``financial institutions'' refers to those insured depository institutions whose primary Federal supervisory agency is represented on the FFIEC. The agencies comprising the FFIEC are the Board of Governors of the Federal Reserve System (FRB), the Federal Deposit Insurance Corporation (FDIC), the National Credit Union Administration (NCUA), the Office of the Comptroller of the Currency (OCC), and the Office of Thrift Supervision (OTS). The revisions update the rating system to address changes in the financial services industry and in supervisory policies and procedures occurring since the rating system was adopted in 1979. The changes include: reformatting and clarification of component rating descriptions and component rating definitions; adding a sixth component addressing sensitivity to market risk; increasing emphasis on the quality of risk management practices in each of the rating components, particularly in the Management component; revising the composite rating definitions; and