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Conduct a ratio analysis

Assignment Help Business Management
Reference no: EM133031163

Step-by-step explanation

Data 

(in millions)

2018

2019

2020

Interest-Earning Asset

971109

984497

984525

Interest Income

76100

84040

64523

Interest Expense

21041

26795

9960

Net Interest Income

55059

57245

54563

Non-interest Income

53724

58154

64980

Provision for loan losses

4871

5585

17480

Operating Expenses

63148

65269

66656

Income Tax Expense

8290

8114

6276

Net Income

32474

36431

29131

Total Deposits

1470666

1562431

2144257

Total borrowings

351307

332418

326893

Equity

256515

261330

279354

Movement

 

2019

2020

Interest-Earning Asset

1.38%

0.00%

Interest Income

10.43%

-23.22%

Interest Expense

27.35%

-62.83%

Net Interest Income

3.97%

-4.69%

Non-interest Income

8.25%

11.74%

Provision for loan losses

14.66%

212.98%

Operating Expenses

3.36%

2.13%

Income Tax Expense

-2.12%

-22.65%

Net Income

12.19%

-20.04%

Total Deposits

6.24%

37.24%

Total borrowings

-5.38%

-1.66%

Equity

1.88%

6.90%

2, Using the data collected conduct a ratio analysis, You are required to estimate the following ratios:

  • Net Interest Margin (NIM)
  • Return on equity
  • Return on assets
  • Asset utilisation
  • Equity multiplier
  • Interest expense ratio
  • Provision for the loan loss ratio
  • Tax expense ratio

Reference no: EM133031163

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