CMS Sept 2022

Internal Use Only

The Balance Sheet Assets • Cash • Investment Securities • Loans

Liabilities

• Deposits • Borrowings

• Fixed Assets • Other Assets

Capital

• Common Stock • Retained Earnings • AOCI

3

Internal Use Only

Balance Sheet Structure and the Yield Curve

A bank’s balance sheet structure and strategic direction is influenced by:

• Level of interest rates (Yield Curves) • Economic Data and Expectations • Competitive landscape • Profitability • Risk Tolerance

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