Brief introduction/background of the bank. 2. Discuss the main lines of business. 3. Discussion on the five-year revenue and profitability trend. 4. Analyse the banks risk profile with specific reference to credit risk, loan quality, concentration risk, market risk and sovereign risk 5. Is de-risking a concern for this bank? If so how can management mitigate this? 6. Perform the appropriate calculations and comment on the following (note some ratios are given in the annual report and you would not have to calculate): (a) Capital Ratios (b) Loans to Deposits (c) Borrowed Funds to Total Assets (d) Efficiency Ratio (e) Dividend Yield (f) Price/Earnings Ratio