Q4. You are required to write report based on the following criteria. First, download the latest annual report of a (only ONE) bank year (2020) or (2021). You can choose any bank listed in any stock market in the UAE. However, you should only choose a bank which provides sufficient information to address the following issues (CLO4) (75-100 words). (2.5 x 4 = 10 Marks).

a. Report and classify the loans in the banks balance sheet. For example, you can classify according to types of credit; that is security, borrower, tenure, sector of the economy, region, purpose and products (refer to CH 17). You should classify the loans according to available information in the annual report in terms of value and percentage (%). (2.5 Marks). b. Report on the capital adequacy management of the bank. For example, focus on savings deposits and uses the funds to make, say, a mortgage loan. Banks tend to borrow short and lend long as reported in the annual report. To provide more depth in your analysis; you can compare with its peers (e.g. compare with another two banks). (2.5 Marks). c. Report on the banks credit risks management and lending policies based on the available information provided in the annual report. (2.5 Marks). d. Based on your findings in (a), (b) and (c); critically discuss the impact of current global financial crisis on the banks profitability, liquidity and competitiveness. Among the suggested areas you can focus on are: lending exposure of the particular bank. If possible, try to unveil/identify any interesting (unique) information you can find in the banks balance sheet. (2.5 Marks).