Capital Markets Examiner School, Providence, RI

Complex

Moderate  Complexity

Non‐ Complex

$1B TA

$10B TA

Community  Banks

Mid‐Sized Banks

Large Financial  Institutions

Policies & Risk Management

 What is the “tone at the top”?

 Is a risk appetite clearly established by the board that can be readily followed by staff?

 Does the board and senior management link balance sheet structure and earnings capacity to risks?

 Is there clear capital markets reporting?