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Financial ratios calculations You are required to use the excel sheet attached and calculate and discuss different

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Question:

Financial ratios calculations

You are required to use the excel sheet attached and calculate and discuss different bank risks for the banks listed in the blow table:

CountryBank NameBank Size
USJPMorgan Chase Bank, NALarge Bank
Fifth Third BankMedium Bank
Huntington National BankSmall Bank
MalaysiaMaybankLarge Bank
RHBMedium Bank
Am Bank BerhadSmall Bank
ChinaChina Construction Bank Corporation Joint Sock CompanyLarge Bank
Bank of CommunicationMedium Bank
China Everbright BankSmall Bank

Your discussion of the banks above is expected to answer the following questions:-

Are the banks complying with the Basel Capital Accord III with minimum total capital ratio of 8%? (Hint: 2015 Capital Adequacy requirement is 8% for total capital) (1 mark)
- How is the US bank’s credit risk as compared to the other banks in Malaysia and China for 2014? (1 mark)

- Do US banks have lower probability of insolvency compared with the other banks in Malaysia and China from for 2014? (1 mark)

- For the Malaysian banks, does the size matter in the liquidity holdings for these banks during the Global Financial crisis of 2009? (1 mark)

Part 2:

Ban regulations

Please write maximum one paragraph about the supervisor (regulator) and the Act (legislations) that governs the financial institutions operations in your country (Malaysian students: write about the regulator in Malaysia; International students, please write about the regulator and the act in your own country).

NAMEYearCountry NameLoansGross LoansEquityTotal Customer DepositsTotal AssetsTotal Regulatory CapitalRisk Weighted Assets including floor/cap per Basel IILiquid AssetsNet IncomeLoan Loss Reserves
AmBank (M) Berhad2014MALAYSIA61411629557128650068678510535706441079813371544
AmBank (M) Berhad2013MALAYSIA59487611486715621208463710221693931327012861661
AmBank (M) Berhad2012MALAYSIA56253579525918584968049510133663031552011961916
AmBank (M) Berhad2009MALAYSIA567405855144726394784342895361227189157011811
AmBank (M) Berhad2008MALAYSIA523255451457175562077254675265873187856502189
AmBank (M) Berhad2007MALAYSIA43466461203093371366204848125614813345-4422655
Bank of Communications Co. Ltd2014CHINA335478734317354736054029668626829958450241644778021866603576948
Bank of Communications Co. Ltd2013CHINA319306332663684214844157833596093751648242740687867526246173305
Bank of Communications Co. Ltd2012CHINA287962829472993814473728412527337945607532425046996855847267671
Bank of Communications Co. Ltd2009CHINA180153818393141644252372055330913722644318493526845513021137776
Bank of Communications Co. Ltd2008CHINA129877613285901456001865815267824918544713514387159712862129814
Bank of Communications Co. Ltd2007CHINA108278811044901333211541486211044416785811392874346502040221702
China Construction Bank Corporation Joint Stock Company2014CHINA92229109474523125236312898675167441301516928102036431306794228247251613
China Construction Bank Corporation Joint Stock Company2013CHINA8361361859005710743291222303715363210131672498727901339371215122228696
China Construction Bank Corporation Joint Stock Company2012CHINA730987975123129495451134307913972828109342976376051377778193602202433
China Construction Bank Corporation Joint Stock Company2009CHINA469294748197735590208001323962335560823351975452190505106836126826
China Construction Bank Corporation Joint Stock Company2008CHINA36835753793943467562637591575554525104164196493155623992642110368
China Construction Bank Corporation Joint Stock Company2007CHINA3183229327215742228153295076598177463182368312310995866914288928
China Everbright Bank Co Ltd2014CHINA127143012994551794831785337273701021271918982315114852892828025
China Everbright Bank Co Ltd2013CHINA114213811663101530521605278241508617535116588614055882675424172
China Everbright Bank Co Ltd2012CHINA99733110231871143221426941227929515210313836054783052362025856
China Everbright Bank Co Ltd2009CHINA63215164791648122799644119769670512678949378713764315765
China Everbright Bank Co Ltd2008CHINA4505214645743323260517085183843705480271241493731614053
China Everbright Bank Co Ltd2007CHINA3951044122842468954066173918726708371501208826503917180
Fifth Third Bank2014UNITED STATES OF AMERICA898969120516562105321136279152131161091136715001491
Fifth Third Bank2013UNITED STATES OF AMERICA87852894201571810215112818614795115006864018731790
Fifth Third Bank2012UNITED STATES OF AMERICA8673788581149179327811944513721107710507216522154
Fifth Third Bank2009UNITED STATES OF AMERICA750597880616301869721127361564810059160198454080
Fifth Third Bank2008UNITED STATES OF AMERICA42150434005328434596946064445881812671-311250
Fifth Third Bank2007UNITED STATES OF AMERICA4047340871526536499614636071581658004611398
Huntington National Bank2014UNITED STATES OF AMERICA4744648049645752516661116956543871207658664
Huntington National Bank2013UNITED STATES OF AMERICA427794342459214857859305652049609947678708
Huntington National Bank2012UNITED STATES OF AMERICA4070241468535247290559556094476761241645807
Huntington National Bank2009UNITED STATES OF AMERICA3555837023341842031511114780431491704-31301513
Huntington National Bank2008UNITED STATES OF AMERICA402954118558413920353548497746438146143890
Huntington National Bank2007UNITED STATES OF AMERICA396774024062233800354099465045731327663563
JP Morgan Chase Bank, NA2014UNITED STATES OF AMERICA6408016521531862081439404207495217365912303588645251477811971
JP Morgan Chase Bank, NA2013UNITED STATES OF AMERICA6193486324821693331326036194546716549511715747692851543813835
JP Morgan Chase Bank, NA2012UNITED STATES OF AMERICA6087236259141462801246327189677314687010941557096201395517845
JP Morgan Chase Bank, NA2009UNITED STATES OF AMERICA535981559747128319102403616276841366461011995531923842224701
JP Morgan Chase Bank, NA2008UNITED STATES OF AMERICA6467506639031297961055765174624214386611686907802841041917153
JP Morgan Chase Bank, NA2007UNITED STATES OF AMERICA4883714953861076147720871318888112253950001647980107327015
Malayan Banking Berhad - Maybank2014MALAYSIA40351340947254741439569640300573003529459629069115959
Malayan Banking Berhad - Maybank2013MALAYSIA35561836138047743395611560319483553087047441167715763
Malayan Banking Berhad - Maybank2012MALAYSIA31182531779843815347156494911493062822298192359195974
Malayan Banking Berhad - Maybank2009MALAYSIA1857831933632576821259931073933917226115313977517580
Malayan Banking Berhad - Maybank2008MALAYSIA16461417115620092187112269101258891977074335430046541
Malayan Banking Berhad - Maybank2007MALAYSIA14086514749719868163677256667271461792226263132536633
RHB Bank Berhad2014MALAYSIA13954414130115435154857204637190691232192000218671757
RHB Bank Berhad2013MALAYSIA11789212005613412135615174158162881135641430117642164
RHB Bank Berhad2012MALAYSIA1078311100101203713154217033615258879952845918082178
RHB Bank Berhad2009MALAYSIA67127698467832818681060959115721141874011882719
RHB Bank Berhad2008MALAYSIA6012862639682871011949387685672811652610702511
RHB Bank Berhad2007MALAYSIA537035589859767270494484800759674223798902195

Expert Answer:

Answer rating: 100% (QA)

AmBank M Berhad The bank is compliant with the Basel Capital Accord III with a minimum total capital ratio of 8 The credit risk for the bank is moderate as compared to other banks in Malaysia and Chin... View the full answer


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