BAS Presentations - March 2023

3/1/2023

3 From a bank regulator’s standpoint, the essential purpose of bank earnings, both current and accumulated, is to absorb losses and augment capital . ” ‐ FDIC Risk Management Manual

3

Learning Objectives 1 – How Banks Make Money

2 – Income Statement 3 – UBPR Ratio Analysis 4 – Budget 5 – Impact on Capital 6 – Risk vs. Return

4

2