Senior Directors Ashley Phillips and Brian Ropp of KBRA’s Financial Institutions group take us through the third episode of Bank Compendium Insights, which features a discussion around our views on the U.S. Banking industry’s 4th Quarter 2020 performance during the pandemic. They also share observations about our long-term rated banking universe, focusing on key performance and credit metrics, as well as KBRA's expectations for the banking industry and items that they are closely monitoring as the economic situation continues to play out over the next several quarters.