Questions: (These questions are based on the 2018 annual reports of two international banks operating in UAEHSBC Bank and Citibank.)

1. Compute the following ratios for both HSBC and Citibank for the years 2017 and 2018.

I. Return on assets (ROA)

ii. Return on equity (ROE)

iii. Earnings multiplier

iv. Asset utilization ratio

v. Expense ratio

vi. Tax ratio

vii. Burden ratio

viii. Efficiency ratio

ix. Operating risk ratio