Effective Meetings with Management - October 2023

Internal Use Only

GROUP THREE: AUDIENCE

As BOD/management, your bank’s earnings levels have been performing satisfactorily; however, your bank performs slightly better than peer. So, you think that Earnings rating should be upgraded.

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Internal Use Only

GROUP FOUR: AUDIENCE

As BOD/management, the bank recently acquired another institution. Due to lack of information, due diligence on the acquiring institutions was not performed. However, you recently found out that there was a $1.5MM defalcation from someone from the acquiring bank’s customer accounts. As management, you do not want it to impact the management component rating.

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