Semiannual Risk Perspective

The Spring 2025 Semiannual Risk Perspective from the OCC highlights how rising interest rates, commercial real estate exposure, and cybersecurity threats are reshaping risk for national banks and federal savings associations. With economic volatility testing institutional resilience, the report emphasizes supervisory focus on credit risk management, operational preparedness, and third-party oversight. Emerging concerns like fintech integration and equitable access to banking services also come under scrutiny. This snapshot helps institutions prepare for a landscape defined by both innovation and instability.