1. Call the Fed - John Kandaris 2. Agenda 3. Recap of Regulatory Concerns 4. CRE Concentrations 5. Concentrations are Highest Among Banks 6. Timeline 7. Interagency Guidance - What It Is 8. Interagency Guidance - What It 9. Focus of the Guidance 10. Key Sections of the Guidance 11. CRE Concentration Assessment 12. Risk Management Framework 13. Supervisory Oversight 14. Supervisory Monitoring Criteria 15. Western Banks Exceed the Screens 16. Evaluations of CRE Concentrations 17. Assessment of Capital Adequacy 18. Risk Management Expectations and Practices 19. Board and Management Oversight 20. CRE Limits and Sub-limits 21. CRE Limits and Sub-limits - Range of Practices 22. Portfolio Management 23. Loan Segmentation 24. Loan Segmentation 25. Loan Segmentation 26. Loan Segmentation 27. Market Information and Analysis 28. Market Information 29. Market Analysis 30. Underwriting Standards 31. Portfolio Stress Testing 32. CRE Stress Testing 33. CRE Stress Testing 34. CRE Stress Testing 35. Sensitivity Analysis 36. Summary 37. Questions