Bank Analysis School April 2025

Internal Use Only

Based on the preceding ACI and UBPR ratios, how would you describe the level of problem assets at Sunny State Bank? (Chatstorm)

31

Internal Use Only

Learning Objectives

1 – Importance of AQ / Impact on Other Components

2 – Asset and Loan Categories

3 – Asset Classification / Problem Assets

4 – Allowance for Credit Losses

32