Bank Analysis School April 2025

Internal Use Only

Determine “Core” Earnings

The quality of earnings may be diminished by undue reliance on extraordinary gains, nonrecurring events, or favorable tax effects.

” ” - FDIC Risk Management Manual

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Internal Use Only

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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