Annual Report Analysis and Summarization Prompt

Your task is to analyze the following annual report:

[Insert full text of annual report here]

Summarize this report in a clear, concise memo that I can send to my team. The memo should:
- Highlight key market trends and financial takeaways
- Identify any qualitative indicators of operational or revenue risks for the upcoming quarter
- Ensure the team stays updated on the current state of financial institutions
- Focus on actionable insights and relevant context. Write in a tone suitable for a leadership briefing.

Output should be formatted as a clean, professional memo.