2024 Risk Survey: Complete Results

Bank Services members can access the full results of Bank Director’s 2024 Risk Survey, which examines regulatory pressures, interest rate impacts and other risks.

Laura Alix
Director of Research
Amid new and updated rules and increased pressure from bank supervisors, Bank Director’s 2024 Risk Survey, sponsored by Moss Adams LLP, finds rising concern about regulatory and compliance risk among bank executives and directors.  The survey, conducted in January 2024, explores key risks, including cybersecurity, liquidity challenges and the effects of a higher interest rate environment. More than three-quarters of the senior executives and directors taking part in the survey express increased concern about regulatory risk, compared with 66% who said as much last year. Additionally, 39% cite evolving regulatory compliance requirements as a strategic challenge, up from 28% last…

Key Findings

Margin Pressures Soar  The percentage of bank leaders reporting a tighter net interest margin jumped to 78% from 26% last year, while 14% say NIM has improved as a result of rising interest rates. Deposit Retention More than half (59%) of respondents say they have experienced some deposit loss, with minimal to moderate effects to the bank’s funding base, as a result of rising interest rates. Another 9% have experienced significant impacts on their funding base. Liquidity Management Challenges The percentage of respondents who report higher concerns around liquidity risk increased to 76%, from 71% last year. When asked about…


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Laura Alix

Director of Research

Laura Alix is the Director of Research at Bank Director, where she collaborates on in-depth strategic research for bank directors and senior executives, including Bank Director’s annual surveys. She also writes for BankDirector.com and edits online video content. Laura is particularly interested in workforce recruitment and retention strategies, and environmental, social and governance issues facing the banking industry. Previously, she covered national and regional banks for American Banker, and before that, she covered community banks for Banker & Tradesman and The Commercial Record. Based in Boston, she has a bachelor’s degree from the University of Connecticut and a master’s degree from CUNY Brooklyn College. You can follow her on Twitter or connect on LinkedIn.