n this part, you have to analyse the performances of two banks based on your understanding of bank performance concepts learned in the class. Commonwealth & Macquire bank.

Illustrate graphically and explain the changes in their balance sheet composition (i.e., asset and liability composition) following the COVID 19 Pandemic. Do these changes suggest banks have become more prudent in their risk management strategies or otherwise?

Collect and present the following data for the above period for the two banks selected:

Average Interest Earning Assets

Interest Income,

Interest Expense,

Net Interest Income

Impairment charges/provision for loan losses

Operating Expenses

Income Tax Expense

Net Income

Net Interest Margin (NIM)

Equity multiplier

Asset utilisation and expense ratios

Balance sheet for commonwealth Bank:

balance sheet for Macquire Bank