Oil shock, negative knock-on effects are the main risks for banks: DBRS
Deposit costs will ease, but it will take time for banks' margins to improve
Latest federal government reforms will be more effective than previous budget pronouncements
Federal deficit would suffer under both presidential candidates' fiscal proposals, though more so under Trump's, DBRS projects
Funds shifting asset allocations away from offices, toward private credit
Effects likely to be focused on weaker, low-rated issuers
FSB, Basel Committee have long warned of tech risk in financial sector
DBRS estimates $27 billion in capital needed to keep ratios at current levels
Regulators expected to get tough on non-compliance with climate-related obligations
Rate cuts remain data dependent as growth cools, recession avoided