Bank Analysis School eBook

Internal Use Only

Today’s Risks ( 2023 FDIC Risk Review) • Credit risk (CRE) • Low Net Interest Margins and interest rate risk • Liquidity and deposits • Cyber threats • Climate-Related Events

Internal Use Only

Examination Process Examinations are the fact-finding function of bank supervision. Purpose of examination is to assess: •Adequacy of capital for the risk profile of the bank •Asset quality •Ability of management, and compliance with applicable laws and regulations •Earnings performance and future prospects •Ability to meet the demands of depositors and other creditors •Degree of exposure to interest rate risk