Conduct peer and trend analyses based on each of your graphs. Your analyses must be supported with specific real-life evidence, such as examples of these banks' investment approaches, credit risk management, cost controls, funding/financing strategies, and other market-wide factors. Using this data set ; Return on Assets(ROA) = (Income / Assets) x 100

Return of Assets Of 4 Major Banks In Australia From 2017-2023 (%)

Banks	2017	2018	2019	2020	2021	2022	2023
NAB	0.67	0.69	0.57	0.30	0.69	0.65	0.70
Commonwealth	1.02	1.02	0.85	0.74	0.81	0.80	0.81
Westpac	0.94	0.92	0.75	0.25	0.58	0.56	0.70
ANZ	0.71	0.68	0.61	0.34	0.63	0.66	0.64

Return on Equity(ROE) = (Income / Equity) x 100

Return of Equity Of 4 Major Banks In Australia From 2017-2023 (%)

Banks	2017	2018	2019	2020	2021	2022	2023
NAB	10.3	10.5	8.6	4.2	10.1	11.7	12.1
Commonwealth	15.6	14.6	12.0	10.4	11.2	13.3	14.1
Westpac	13.0	12.5	10.4	3.4	7.6	8.1	9.9
ANZ	10.8	10.8	9.8	5.8	9.7	10.7	10.2

Leverage Multiplier = Assets / Equity

Leverage Multiplier Of 4 Major Banks In Australia From 2017-2023

Banks	2017	2018	2019	2020	2021	2022	2023
NAB	15.36	15.30	15.23	14.14	14.75	17.87	17.22
Commonwealth	15.36	14.37	14.02	14.08	13.87	16.68	17.40
Westpac	14.89	13.62	13.84	13.40	12.98	14.38	14.20
ANZ	15.19	15.87	16.14	17.00	15.37	16.35	15.78

Credit Risk Ratio = Loans/ (Total Equity + Total Reserve)

Credit Risk Ratio Of 4 Major Banks In Australia From 2017-2023

Banks	2017	2018	2019	2020	2021	2022	2023
NAB	10.53	10.78	10.57	9.50	9.59	11.53	11.43
Commonwealth	11.48	10.95	10.84	10.71	10.31	12.07	12.86
Westpac	11.17	10.99	10.91	10.18	9.85	10.49	10.66
ANZ	9.72	10.17	10.18	10.15	9.95	10.16	10.14

Data Tables

1. Income of 4 Major Banks In Australia From 2017 - 2023($b)

Income	NAB	Commonwealth	Westpac	ANZ
2017	5,285	9,952	7,990	6,406
2018	5,554	9,934	8,095	6,416
2019	4,798	8,372	6,784	5,968
2020	2,559	7,459	2,290	3,578
2021	6,364	8,843	5,458	6,163
2022	6,891	9,673	5,694	7,120
2023	7,414	10,188	7,195	7,126

2. Total Assets of 4 Major Banks In Australia From 2017 - 2023($b)

Income	NAB	Commonwealth	Westpac	ANZ
2017	788,325	976,374	851,875	897,326
2018	806,510	975,165	879,592	942,624
2019	847,124	976,502	906,626	981,137
2020	866,565	1,014,060	911,946	1,042,286
2021	925,968	1,091,962	935,877	978,857
2022	1,055,126	1,215,260	1,014,198	1,085,729
2023	1,059,083	1,252,845	1,029,774	1,105,620

3. Total Equity of 4 Major Banks In Australia From 2017 - 2023($b)

Income	NAB	Commonwealth	Westpac	ANZ
2017	51,317	63,716	61,342	59,075
2018	52,712	67,860	64,573	59,383
2019	55,604	69,649	65,507	60,794
2020	61,293	72,013	68,074	61,297
2021	62,779	78,718	72,092	63,676
2022	59,032	72,838	70,509	66,401
2023	61,503	72,005	72,539	70,046

4. Loans of 4 Major Banks In Australia From 2017 - 2023($b)

Income	NAB	Commonwealth	Westpac	ANZ
2017	540,125	731,762	684,919	574,331
2018	567,981	743,365	709,690	603,938
2019	587,749	755,141	714,770	618,767
2020	582,485	771,547	693,059	622,074
2021	621,156	811,356	709,784	633,764
2022	680,434	878,854	739,647	674,989
2023	702,702	926,082	773,254	710,590

Also make sure Detailed and valid trend analysis and peer analysis for each of the four ratios, supported by specific examples of banks' investment approaches, credit risk management, cost controls, funding/financing strategies, and other market-wide factors.

Answer rating: 100% (QA)

To conduct a peer and trend analysis based on the given data lets analyze each ratio for the four major banks in Australia NAB Commonwealth Westpac and ANZ Well examine the Return on Assets ROA Return ... View the full answer