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C. Dupont Trend Analysis: Calculate the Bank's AU and NPM, and OROE, where:: OROE = OROA x EM; AU% = IR% + NIR%; [NPM

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C. Dupont Trend Analysis: Calculate the Bank's AU and NPM, and OROE, where:: OROE = OROA x EM; AU% = IR% + NIR%; [NPM = OROA / (AU as a fraction)], i.e. if OROA is 1.00% and its AU is 6.35%, its NPM would be = 1% / .0635 = 15.75%. Do a Table 2023 Bank Peers 2022 Bank Peers OROE % OROA% -1.18 0.72 0.22 1.67 (given here) EM 11.76 11.14 9.20 10.37 (given here) AU NPM% 1. Dupont Trend Analysis for 2022 to 2023: Based on the ratios you did in the Table, do a Dupont Analysis, explaining why Flagstar Bank's OROE and OROA fell in 2023 (by analyzing differences in AU, NPM, and EM only, for 2023 versus 2022). 2. Dupont Peer Comparison Analysis for 2023 only: Based on the ratios you did, using a Dupont Analysis, explain why the OROE for the Flagstar Bank is lower than the Peer average in 2023 (based on differences in AU, NPM, and EM only in 2023). 2

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