FREE Trial
Answered step by step
Verified Expert Solution
Link Copied!

Question

1 Approved Answer

Financial ratios calculations You are required to use the excel sheet attached and calculate and discuss different bank risks for the banks listed in the

Financial ratios calculations

You are required to use the excel sheet attached and calculate and discuss different bank risks for the banks listed in the blow table:

Country Bank Name Bank Size
US JPMorgan Chase Bank, NA Large Bank
Fifth Third Bank Medium Bank
Huntington National Bank Small Bank
Malaysia Maybank Large Bank
RHB Medium Bank
Am Bank Berhad Small Bank
China China Construction Bank Corporation Joint Sock Company Large Bank
Bank of Communication Medium Bank
China Everbright Bank Small Bank

Your discussion of the banks above is expected to answer the following questions:-

Are the banks complying with the Basel Capital Accord III with minimum total capital ratio of 8%? (Hint: 2015 Capital Adequacy requirement is 8% for total capital) (1 mark) - How is the US banks credit risk as compared to the other banks in Malaysia and China for 2014? (1 mark)

- Do US banks have lower probability of insolvency compared with the other banks in Malaysia and China from for 2014? (1 mark)

- For the Malaysian banks, does the size matter in the liquidity holdings for these banks during the Global Financial crisis of 2009? (1 mark)

Part 2:

Ban regulations

Please write maximum one paragraph about the supervisor (regulator) and the Act (legislations) that governs the financial institutions operations in your country (Malaysian students: write about the regulator in Malaysia; International students, please write about the regulator and the act in your own country).

NAME Year Country Name Loans Gross Loans Equity Total Customer Deposits Total Assets Total Regulatory Capital Risk Weighted Assets including floor/cap per Basel II Liquid Assets Net Income Loan Loss Reserves
AmBank (M) Berhad 2014 MALAYSIA 61411 62955 7128 65006 86785 10535 70644 10798 1337 1544
AmBank (M) Berhad 2013 MALAYSIA 59487 61148 6715 62120 84637 10221 69393 13270 1286 1661
AmBank (M) Berhad 2012 MALAYSIA 56253 57952 5918 58496 80495 10133 66303 15520 1196 1916
AmBank (M) Berhad 2009 MALAYSIA 56740 58551 4472 63947 84342 8953 61227 18915 701 1811
AmBank (M) Berhad 2008 MALAYSIA 52325 54514 5717 55620 77254 6752 65873 18785 650 2189
AmBank (M) Berhad 2007 MALAYSIA 43466 46120 3093 37136 62048 4812 56148 13345 -442 2655
Bank of Communications Co. Ltd 2014 CHINA 3354787 3431735 473605 4029668 6268299 584502 4164477 802186 66035 76948
Bank of Communications Co. Ltd 2013 CHINA 3193063 3266368 421484 4157833 5960937 516482 4274068 786752 62461 73305
Bank of Communications Co. Ltd 2012 CHINA 2879628 2947299 381447 3728412 5273379 456075 3242504 699685 58472 67671
Bank of Communications Co. Ltd 2009 CHINA 1801538 1839314 164425 2372055 3309137 226443 1849352 684551 30211 37776
Bank of Communications Co. Ltd 2008 CHINA 1298776 1328590 145600 1865815 2678249 185447 1351438 715971 28621 29814
Bank of Communications Co. Ltd 2007 CHINA 1082788 1104490 133321 1541486 2110444 167858 1139287 434650 20402 21702
China Construction Bank Corporation Joint Stock Company 2014 CHINA 9222910 9474523 1252363 12898675 16744130 1516928 10203643 1306794 228247 251613
China Construction Bank Corporation Joint Stock Company 2013 CHINA 8361361 8590057 1074329 12223037 15363210 1316724 9872790 1339371 215122 228696
China Construction Bank Corporation Joint Stock Company 2012 CHINA 7309879 7512312 949545 11343079 13972828 1093429 7637605 1377778 193602 202433
China Construction Bank Corporation Joint Stock Company 2009 CHINA 4692947 4819773 559020 8001323 9623355 608233 5197545 2190505 106836 126826
China Construction Bank Corporation Joint Stock Company 2008 CHINA 3683575 3793943 467562 6375915 7555452 510416 4196493 1556239 92642 110368
China Construction Bank Corporation Joint Stock Company 2007 CHINA 3183229 3272157 422281 5329507 6598177 463182 3683123 1099586 69142 88928
China Everbright Bank Co Ltd 2014 CHINA 1271430 1299455 179483 1785337 2737010 212719 1898231 511485 28928 28025
China Everbright Bank Co Ltd 2013 CHINA 1142138 1166310 153052 1605278 2415086 175351 1658861 405588 26754 24172
China Everbright Bank Co Ltd 2012 CHINA 997331 1023187 114322 1426941 2279295 152103 1383605 478305 23620 25856
China Everbright Bank Co Ltd 2009 CHINA 632151 647916 48122 799644 1197696 70512 678949 378713 7643 15765
China Everbright Bank Co Ltd 2008 CHINA 450521 464574 33232 605170 851838 43705 480271 241493 7316 14053
China Everbright Bank Co Ltd 2007 CHINA 395104 412284 24689 540661 739187 26708 371501 208826 5039 17180
Fifth Third Bank 2014 UNITED STATES OF AMERICA 89896 91205 16562 105321 136279 15213 116109 11367 1500 1491
Fifth Third Bank 2013 UNITED STATES OF AMERICA 87852 89420 15718 102151 128186 14795 115006 8640 1873 1790
Fifth Third Bank 2012 UNITED STATES OF AMERICA 86737 88581 14917 93278 119445 13721 107710 5072 1652 2154
Fifth Third Bank 2009 UNITED STATES OF AMERICA 75059 78806 16301 86972 112736 15648 100591 6019 845 4080
Fifth Third Bank 2008 UNITED STATES OF AMERICA 42150 43400 5328 43459 69460 6444 58818 12671 -31 1250
Fifth Third Bank 2007 UNITED STATES OF AMERICA 40473 40871 5265 36499 61463 6071 58165 8004 611 398
Huntington National Bank 2014 UNITED STATES OF AMERICA 47446 48049 6457 52516 66111 6956 54387 1207 658 664
Huntington National Bank 2013 UNITED STATES OF AMERICA 42779 43424 5921 48578 59305 6520 49609 947 678 708
Huntington National Bank 2012 UNITED STATES OF AMERICA 40702 41468 5352 47290 55955 6094 47676 1241 645 807
Huntington National Bank 2009 UNITED STATES OF AMERICA 35558 37023 3418 42031 51111 4780 43149 1704 -3130 1513
Huntington National Bank 2008 UNITED STATES OF AMERICA 40295 41185 5841 39203 53548 4977 46438 1461 43 890
Huntington National Bank 2007 UNITED STATES OF AMERICA 39677 40240 6223 38003 54099 4650 45731 3276 63 563
JP Morgan Chase Bank, NA 2014 UNITED STATES OF AMERICA 640801 652153 186208 1439404 2074952 173659 1230358 864525 14778 11971
JP Morgan Chase Bank, NA 2013 UNITED STATES OF AMERICA 619348 632482 169333 1326036 1945467 165495 1171574 769285 15438 13835
JP Morgan Chase Bank, NA 2012 UNITED STATES OF AMERICA 608723 625914 146280 1246327 1896773 146870 1094155 709620 13955 17845
JP Morgan Chase Bank, NA 2009 UNITED STATES OF AMERICA 535981 559747 128319 1024036 1627684 136646 1011995 531923 8422 24701
JP Morgan Chase Bank, NA 2008 UNITED STATES OF AMERICA 646750 663903 129796 1055765 1746242 143866 1168690 780284 10419 17153
JP Morgan Chase Bank, NA 2007 UNITED STATES OF AMERICA 488371 495386 107614 772087 1318888 112253 950001 647980 10732 7015
Malayan Banking Berhad - Maybank 2014 MALAYSIA 403513 409472 54741 439569 640300 57300 352945 96290 6911 5959
Malayan Banking Berhad - Maybank 2013 MALAYSIA 355618 361380 47743 395611 560319 48355 308704 74411 6771 5763
Malayan Banking Berhad - Maybank 2012 MALAYSIA 311825 317798 43815 347156 494911 49306 282229 81923 5919 5974
Malayan Banking Berhad - Maybank 2009 MALAYSIA 185783 193363 25768 212599 310739 33917 226115 31397 751 7580
Malayan Banking Berhad - Maybank 2008 MALAYSIA 164614 171156 20092 187112 269101 25889 197707 43354 3004 6541
Malayan Banking Berhad - Maybank 2007 MALAYSIA 140865 147497 19868 163677 256667 27146 179222 62631 3253 6633
RHB Bank Berhad 2014 MALAYSIA 139544 141301 15435 154857 204637 19069 123219 20002 1867 1757
RHB Bank Berhad 2013 MALAYSIA 117892 120056 13412 135615 174158 16288 113564 14301 1764 2164
RHB Bank Berhad 2012 MALAYSIA 107831 110010 12037 131542 170336 15258 87995 28459 1808 2178
RHB Bank Berhad 2009 MALAYSIA 67127 69846 7832 81868 106095 9115 72114 18740 1188 2719
RHB Bank Berhad 2008 MALAYSIA 60128 62639 6828 71011 94938 7685 67281 16526 1070 2511
RHB Bank Berhad 2007 MALAYSIA 53703 55898 5976 72704 94484 8007 59674 22379 890 2195

Step by Step Solution

There are 3 Steps involved in it

Step: 1

blur-text-image

Get Instant Access to Expert-Tailored Solutions

See step-by-step solutions with expert insights and AI powered tools for academic success

Step: 2

blur-text-image

Step: 3

blur-text-image

Ace Your Homework with AI

Get the answers you need in no time with our AI-driven, step-by-step assistance

Get Started

Recommended Textbook for

Cost Estimating

Cost Estimating

Authors: Rodney D. Stewart

2nd Edition

0471857076, 978-0471857075

More Books

Students also viewed these Accounting questions

Question

★★★★★
On January 2, 2013, Ubuy.com paid $100,000 to acquire 25 percent (10,000 shares) of the common stock of E-Net Corporation. The accounting period for both companies ends December 31. Give the journal...

Answered: 1 week ago

Question

★★★★★
1. Decide whether you will have students raise their hands for permission to speak or simply require that they wait until the speaker has finished.

Answered: 1 week ago

Question

★★★★★
A small bead can slide without friction on a circular hoop that is in a vertical plane and has a radius of 0.100 m. The hoop rotates at a constant rate of 4.00 rev/s about a vertical diameter (Fig...

Answered: 1 week ago

Question

★★★★★
Financial data for Joel de Paris, Inc., for last year follow: Joel de Paris, Inc Balance Sheet Beginning Balance Ending Balance Assets Cash Accounts receivable Inventory Plant and equipment, net...

Answered: 1 week ago

Question

★★★★★
How to get rid of float divsion by zero from num _ country

Answered: 1 week ago

Question

★★★★★
Brookingdale Insurance Company has expressed interest in being represented by Roger's insurance agency. For each of the following items of information about Brookingdale, describe the sources of...

Answered: 1 week ago

Question

★★★★★
How might the current economic situation with the job market, wage rate, or other economic factor impact your organization in a positive or negative sense?

Answered: 1 week ago

Question

★★★★★
2. Not all is lost with Tesla's production issues. Tesla has left a door (and a few windows) open for competitors to take part of the market. Which manufacturers stand to gain the most? Why?

Answered: 1 week ago

Question

★★★★★
Determine a mainline airline's fare structure. Discussion can include mock data on the fare structure that you outline for business vs pleasure travel, passenger demand patterns, Seasonal operations,...

Answered: 1 week ago

Question

★★★★★
Since the 2016 presidential election, there have been multiple changes to the Patient Protection and Affordable Care Act (ACA). What are they and how have they impacted healthcare access, cost, and...

Answered: 1 week ago

Question

★★★★★
1 If outsourcing to companies or subsidiaries in parts of the world where labour is cheaper continues in the coming years, what will be the implications for HRM in those companies/ subsidiaries?...

Answered: 1 week ago

Question

★★★★★
3 How can flexible work arrangements have an impact on employee motivation? In Japan In Japan there is an erosion of the social contract that Japanese workers viewed as sacred for half a century....

Answered: 1 week ago

Question

★★★★★
1 Should empowerment be a central part of all HRM policies? Give reasons for your answer Empowerment is a management practice concerned with giving front- line employees more responsibility,...

Answered: 1 week ago

Previous Question Next Question