Submit the name of the company (publicly traded) and the name of its major competitor company.

Select the company and its competitor you want to use for your financial institutions project.

Perform an in-depth analysis of at least two of the top-three firms (in terms of market value) in the chosen sector.

Perform a ratio analysis (roe analysis) using the tools and techniques. Specifically, you are to perform analysis of the following ratios: ROE, ROA, equity multiplier, profit margin, asset utilization, net interest margin, interest expense ratio, provision for loan loss ratio, noninterest expense ratio, tax ratio, interest income ration, noninterest income ratio, the spread, overhead efficiency ratio etc.

Use the ratio values to show performance trends (time-series analysis) of the company (at least for five years).

Find industry quartiles for each of the ratio and evaluate the company ratios against the industry norm (a major competitor company) (cross-section analysis).

Write the analysis of the company on each of the ratio areas (both time-series and cross-sectional analyses).

Use the web resources available to obtain information on both time-series and cross-section ratios.