BAS September 2022 Presentations

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

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Learning Objectives 1 – How Banks Make Money

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

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