THIRD-QUARTER 2022 BANK EARNINGS IN REVIEWStable Outlook in 2023 for U.S. Banking Industry Despite Monetary HeadwindsKBRA Financial Institutions Group analysts Leah Hallfors, Senior Director, John Rempe, Director, and Brian Ropp, Managing Director, discuss KBRA’s latest views of the U.S. banking industry and 2023 sector outlook, as well as the key takeaways of 3Q22 financial results. This edition also highlights the resilience of the KBRA-rated bank universe amid the intensified tightening cycle.The 10th episode of Bank Compendium Insights examines: 1. Earnings performance amid rising rates and competing tailwinds and headwinds 2. Accelerating deposit betas and the strength of deposit franchises 3. The lagged effect on loan portfolio quality 4. Banks generally better positioned to withstand stressed conditions versus previous cycles