Question 2 (10%)

Evaluate the performance of a commercial bank assigned to your group and conduct a comprehensive research on this bank by referring to the annual reports, news, reports provided by other financial institutions, and other online resources. Your analysis should be based on the CAMELS ratings.

Write a short report (within 2400 words for the whole report) on that commercial bank by providing discussions for each of the six items, including: C - Capital adequacy, A - Asset quality, M - Management, E - Earnings, L - Liquidity and S - Sensitivity to market risk. Compare with the peers and then assign a score to each of the six items. Provide evidence to support your arguments and explain how you assign the score for each component. The report should include a brief introduction (within 200 words) of the bank and its overall performance (within 200 words) as conclusion based on your analysis.

Introduction (0.5)

C - Capital adequacy (1.5)

A - Asset quality (1.5)

M - Management (1.5)

E - Earnings (1.5)

L - Liquidity (1.5)

S - Sensitivity to market risk (1.5)

Conclusion (0.5)