Bank Analysis School April 2025
Internal Use Only
The UBPR Includes a Year-Over-Year ACL Reconcilement
Ties to balance sheet [prior year] (pg. 4)
Ties to income statement (pg. 2) Ties to balance sheet [current year] (pg. 4)
Why is the ACL ending balance higher than the beginning balance?
35
Internal Use Only
The ACL is an evaluation factor for which three component ratings? (Chatstorm)
36
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