Supervisors Symposium - December 2023

Internal Use Only

Today, financial institutions are clearly in the Preserve Phase of the Banking Cycle . . .

Create

Build

Preserve

Restore

Realize

Form an Institution or Acquire a Charter

Stock Repurchase Strategy

Accelerate Strategic Plan

Identify and Mitigate Risks

Liquidate Problem Loans

Eliminate Unprofitable Customers and Channels

Ensure Compliance with Regulation

Acquire Loan and Deposits

Fully Leverage Capital

Dividend Strategy

Acquire Fee Generating businesses

Market Multiple Flooring

Grow Balance Sheet

Stress Test Extensively

Bank Sale Strategy

Review and Tighten Governance like Policies

Acquire Customers and Markets

Expand Target Customers

The key to managing through the Preserve Phase is having an effective tool to identify the major risk areas.

Utilize Capital Markets Effectively

Enhance Delivery Channels

Educate and Train

Bundle Products and Services

Fortress Balance Sheet

Market Multiple Expansion

Market Multiple Locking

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© 2023 –FinPro, Inc.

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Internal Use Only

Economic Environment

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© 2023 –FinPro, Inc.

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