National Corporation Analysis - Business Assignment Help

Assignment Task:

Part A: National Corporation Analysis

Questions 1.

• State certain things about the bank, 

• provide evidence to show ROA is decent and quite high. 

• Provide evidence to show that deposit is at a cheap cost. 

•  Provide evidence to show that customers are good quality and write off is not high. 

• Provide evidence of ROE is respectable. 

• Provide evidence that there is a change in industry due to competition. Many institutions are going on assets based standing. 

• Find evidence that they may need to engage some external expertise to engage in this business.

• Provide evidence that is not in their line of fractions. The business relationship with the customer is very good. 

• Make use of the data of the customer in order to offer something new to them.

Question 2.

ROE = ROWN

• New business, a lot of competition. Require extra cost to outsource external expertise. Thus ROA/ROE will not improve. 

• Find evidence of higher cost, IMM, net interest margin, credit risk. New business = Low volume.

• How can ROA and ROE grow up? Talk about the volume.

Question 3:

Question 2 and 3 is linked

Look at the balance sheet and liabilities. Liabilities are their deposit, composition, and cost of liabilities. We should be able to see that there is a huge deposit base at a relatively low cost. if the cost of fund is Low, no pressure. The pressure is from outside the industry that is forcing them to do this. Get evidence from the deposit base.

Part B: Edward Altman: Where are we in the Credit Cycle?

• Talk about credit risk, using the financial statement. 

• Can they give financing? 

• Provide Vertical and horizontal analysis. 

• Interpret Ratio analysis (leverage and liquidity) provide the consideration using data (Storytelling to provide on why the data is that way)

• Input relevant info

• Direct – Plain Recording

• Indirect – Classification

• Ability to pay a loan should come from operating cash flows

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