REFERENCES: MAYBANK ANNUAL REPORTS YEAR 2019 & 2020

> Maybank_AR2020-Financial_Statements_Book_.pdf

(https://www.maybank.com/iwov-resources/corporate_new/document/my/en/pdf/annual-report/2021/Maybank_AR2020-Financial_Statements_Book_.pdf)

> Maybank_AR2019-Financial_Statements_Book.pdf

(https://www.maybank.com/iwov-resources/corporate_new/document/my/en/pdf/annual-report/2020/Maybank_AR2019-Financial_Statements_Book.pdf)

1. Using the income statements for the two most recent years, conduct a comparative analysis of the income statements and comment on the growth in revenues, total expenses, and net income over the two years. What main conclusion can be derived from the analysis with regards to the above income statement items? Elaborate. (4 marks)

2.Using the balance sheets for the two most recent years, conduct a comparative analysis of the balance sheets and comment on the significant changes in the number of current assets, property, plant, and equipment, other assets, current liabilities, long-term debt, and stockholders' equity over the two years. What the main conclusion that you can derive from this analysis? Elaborate. (4 marks)

3.Prepare a common-size statement for the income statement for the two recent years. Comment on the proportion of total expenses, income before tax, and net income. What conclusion can you arrive at based on the analysis? Any significant changes in the above items for the past two years. Elaborate. (4marks)

4.Prepare balance sheet common size statement for the two recent years. Comment on the proportion of current assets, property, plant, and equipment, other assets, current liabilities, long-term debt, and stockholders' equity. Based on the analysis, what conclusion can be made with regard to the financial position of the firm? Any significant changes in the proportion of each of the above items over the two years? Elaborate (4marks)

5.Using all possible financial ratios under the following categories: liquidity, asset turnover, leverage, profitability, and market value, conduct the financial ratio analysis of the company over the two years. Based on these ratios, comment on the financial performance and position of the company. Show all formulas and calculations for each of the ratios. (8marks)

6.Based on DuPont framework, return on equity is broken down into three important component ratios.What are the three components?Provide the formula for each component. What does each of the components attempt to measure? (4marks)

7.Using the DuPont framework, determine the two most recent years' return on equity for the company that you have selected. Show all formulas and calculations. (4marks)

8.Based on (7), what conclusion can be made with regards to the factor/factors contributing to the change in the return on equity over the two-year period? Justify. (4 marks)

9.Assuming that you a bank officer is responsible for appraising a loan application put forward by this company. What are the common financial ratios that a lender would look at for the purpose of loan appraisal? Based on the relevant financial ratios, justify whether the company justifies being considered for a loan.(4 marks)