Your bank

Dear colleague,

The board has resolved to appoint you Chief Executive Officer with effect from the first day of the coming month. You will find the bank sound but small: one balance sheet, a loan book that has never been through a real cycle, and a supervisor who has not yet had reason to telephone. The board expects it to be larger, safer and more profitable when you leave it than when you found it, and it will say so every January.

Please confirm the particulars below and sign.

Your name
The bank
Jurisdiction
Terms	Forgiving: a patient board, a mild cycleStandardSevere: a hard board, a hard cycle
Appointed in	1995: the long expansion 1988: the late-eighties boom, and what followed 2008: the global financial crisis, in progress 2015: zero and negative rates 2020: the pandemic and the digital challengers

Terms of the appointment: the year and the severity