Each team of students is required to analyze performance and risk

Group Project Guidelines

• Please sign-up for teams under People/Groups. Individual submission for the project will

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not be accepted.

• Each team of students is required to analyze performance and risk management metrics

of a bank.

o Go to the bank’s website and locate the Investor Relations page. That page will

include all the information for shareholders, investors, and others interested in the

company’s stock and financial stability.

o Make a short corporate profile summary.

o Using the financial statements for the last 3-5 years and the financial ratios

covered in class, analyze the bank’s return, risk, and accounting performance.

Create a table with the list of relevant ratios for all years. Conduct a return on

equity decomposition analysis for the most recent year. Explain/discuss your

results.

o Identify at least one peer bank and compare your bank’s return and risk measures

to those of peer bank(s). Summarize your findings in a table. What are the

implications of any significant differences? What recommendations would you

make to adjust bank’s risk and return profile to improve its performance?

o Review the bank’s annual reports for the last 3-5 years to collect information on

the bank’s summary analysis of interest rate risk. How does your bank manage

interest rate risk? Create a table that summarizes the relevant data found in the

report for each year.

o Review the bank’s annual reports for the last 3-5 years to collect information on

the bank’s capital structure and capital adequacy. What is the bank’s capital

position and how does it manage capital requirements set by Basel regulatory

capital rules?

• The report should be well organized, clearly written, and free of grammatical and spelling

errors. Use Times New Roman font size 12, and 1” margins.

• You will be graded on the content and quality of your arguments. There is no length limit

or requirement for this assignment.

• Please try to use tables to present your findings/results.

• The report should be free of plagiarism. Please plan to submit early, so you can make

corrections if needed. You are allowed to overwrite your previous submissions until the

due date.