Bank Analysis School eBook

Internal Use Only

Don’t Over-Rely on Peer Comparisons

Peer comparison data are not included in the rating system. The principal reason is to avoid over reliance on statistical comparisons to justify the component rating being assigned. “ ” ” - FDIC Risk Management Manual

Internal Use Only

Management conversation topics • Past performance • Competitive environment/challenges • Budget & strategic initiatives

Keep in mind the general ledger is much more detailed than the UBPR