fin-440

Research Question:

I expect you to compare two specific commercial banks’ performance and risk using UBPR (Uniform Bank Performance Report) data. The research topic is the following:

Comparison analysis of Citi Bank and Wells Fargo bank in the most recent five years (2016-2020)

Suggested Outline

Background (Jaden)

· 2 pages

Performance analysis

Return on equity (Zach)

· Include formula

· Include graph of both banks and analyze

· 1 page excluding graph

· Add summary of analysis (1 paragraph)

Return on asset (Zach)

· - Include formula

· Include graph of both banks and analyze

· 1 page excluding graph

· Add summary of analysis (1 paragraph)

Equity multiplier (Zach)

· Include formula

· Include graph of both banks and analyze

· 1 page excluding graph

· Add summary of analysis (1 paragraph)

Expense ratio (Justis)

· Include formula

· Include graph of both banks and analyze

· 1 page excluding graph

· Add summary of analysis (1 paragraph)

Asset utilization (Justis)

· Include formula

· Include graph of both banks and analyze

· 1 page excluding graph

· Add summary of analysis (1 paragraph)

Risk analysis

Credit risk (Udghosh)

· Include formula

· Include graph of both banks and analyze

· Answer these questions (1. What has been the loss experience, 2. What amount of losses do we expect, and 3. How prepared is the bank)

· 2 page excluding graph

· Add summary of analysis (1 paragraph)

Liquidity risk (Udghosh)

· Include formula

· Include graph of both banks and analyze

· 1 page excluding graph

· Add summary of analysis (1 paragraph)

Capital risk (William)

· Include formula

· Include graph of both banks and analyze

· 1 page excluding graph

· Add summary of analysis (1 paragraph)

Operational risk (William)

· Include formula

· Include graph of both banks and analyze

· 1 page excluding graph

· Add summary of analysis (1 paragraph)

Interest risk (William)

· Include formula

· Include graph of both banks and analyze

· 1 page excluding graph

· Add summary of analysis (1 paragraph)

Conclusion (Jaden)

· 1 page