Each group collects quarterly financial statements of FIVE banks from Q1 2019 – Q4 2020 from the Office of the Superintendent of Financial Institutions (OSFI). The banks should be Canadian domestic banks. A maximum size of group consists of 5 people.
Analyze and compare the financial ratios of each bank and calculate its peer group averages for the following ratios
ROE / ROA
Asset utilization
Overhead efficiency
Profit margin / Net interest margins
Spread
Net write-offs / net charge-offs
Explain why these ratios vary from the peer group average.
Calculate and compare risk-based capital ratios under Basel III:
Common equity Tier 1 risk-based capital ratio
Tier 1 risk-based capital ratio
Total risk-based capital ratio
Tier 1 leverage ratio
Interpret the differences of these ratios among banks.
Analyze and interpret the banks’ liquidity risk
Use peer group ratio comparisons to measure the banks’ liquidity exposure:
Loans/ deposits
core deposits/ total assets
borrowed funds/ total assets
Your written report should include main features of these banks based on these financial ratio analyses and discuss how the banking regulators can get benefits from your analysis report.
You can compare banks’ performance during COVID-19 with that during non-COVID-19.
Requirement
– Your report cannot exceed 6 pages (1.5-line spacing and font size 12), excluding appendices. All the supporting calculations should be put into the appendices, which does not count papers.
– Graphs and tables for comparing banks can be put into the main body of the report.
ADMN4720H Group Project
The final project should be written in business report format, including introduction, ratio analysis
and comparison of banks, and conclusion.
1
– If you do not calculate these ratios yourself and copy the data from each bank’s website, your project will be deducted at least 10 points.
– Please submit the following documents:
1. One written report in Word or PDF document 2. EXCEL workbooks.
Each bank can be provided a separate EXCEL file with detailed calculation.Financial reports of banks located in Canada
https://www.osfi-bsif.gc.ca/Eng/wt-ow/Pages/FINDAT.aspx
Canadian Bankers Association
https://cba.ca/
How to collect the quarterly balance sheet
ADMN4720H Group Project
March 31 – first quarter June 30 – second quarter Sept 30- third quarter Dec 31- fourth quarter
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