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  "documentTitle": "ey iif bank risk management survey",
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  "notes": "The slide highlights a shift in CRO priorities away from liquidity risk and details specific credit risk mitigation strategies.",
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      "text": "The drop of liquidity risk from the fourth to the 11th highest priority for CROs shows that the bank liquidity events of Spring 2023 are mostly in the rear-view mirror for CROs.",
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      "text": "Reducing appetite or curtailing lending to certain high-risk industries, geographies (62%); Tighter lending standards (e.g., reducing covenant-lite) (56%); Stricter collateral standards (e.g., higher quality collateral, lower loan-to-value ratio) (41%)",
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      "text": "Percentage of banks: 62%",
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      "text": "The drop of liquidity risk from the fourth to the 11th highest priority for CROs shows that the bank liquidity events of Spring 2023 are mostly in the rear-view mirror for CROs. However, 50% of banks with at least US$1t in assets see liquidity risk as a top financial risk, compared with only 19% of all CROs. Falling inflation rates helped push retail and consumer credit risk down the CRO agenda, from the ninth highest priority for CROs last year to 14th this year. Looking more closely at credit risk, two-thirds of CROs expect commercial real estate to be the most challenging part of the portfolio in the next 12 months, no surprise given the current economic outlook in the US and slowdown in key global real estate markets. CROs also see consumer non-residential real estate (46%), leveraged lending (45%) and residential real estate (29%) as potential future challenges.",
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      "kind": "title",
      "text": "Figure 8: What actions is your bank taking to mitigate credit risks in preparation for a potential downturn?",
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