Financial ratios calculations

You are required to use the excel sheet attached and calculate and discuss different bank risks for the banks listed in the blow table:

Country	Bank Name	Bank Size
US	JPMorgan Chase Bank, NA	Large Bank
	Fifth Third Bank	Medium Bank
	Huntington National Bank	Small Bank
Malaysia	Maybank	Large Bank
	RHB	Medium Bank
	Am Bank Berhad	Small Bank
China	China Construction Bank Corporation Joint Sock Company	Large Bank
	Bank of Communication	Medium Bank
	China Everbright Bank	Small Bank

Your discussion of the banks above is expected to answer the following questions:-

Are the banks complying with the Basel Capital Accord III with minimum total capital ratio of 8%? (Hint: 2015 Capital Adequacy requirement is 8% for total capital) (1 mark) - How is the US banks credit risk as compared to the other banks in Malaysia and China for 2014? (1 mark)

- Do US banks have lower probability of insolvency compared with the other banks in Malaysia and China from for 2014? (1 mark)

- For the Malaysian banks, does the size matter in the liquidity holdings for these banks during the Global Financial crisis of 2009? (1 mark)

Part 2:

Ban regulations

Please write maximum one paragraph about the supervisor (regulator) and the Act (legislations) that governs the financial institutions operations in your country (Malaysian students: write about the regulator in Malaysia; International students, please write about the regulator and the act in your own country).

NAME	Year	Country Name	Loans	Gross Loans	Equity	Total Customer Deposits	Total Assets	Total Regulatory Capital	Risk Weighted Assets including floor/cap per Basel II	Liquid Assets	Net Income	Loan Loss Reserves
AmBank (M) Berhad	2014	MALAYSIA	61411	62955	7128	65006	86785	10535	70644	10798	1337	1544
AmBank (M) Berhad	2013	MALAYSIA	59487	61148	6715	62120	84637	10221	69393	13270	1286	1661
AmBank (M) Berhad	2012	MALAYSIA	56253	57952	5918	58496	80495	10133	66303	15520	1196	1916
AmBank (M) Berhad	2009	MALAYSIA	56740	58551	4472	63947	84342	8953	61227	18915	701	1811
AmBank (M) Berhad	2008	MALAYSIA	52325	54514	5717	55620	77254	6752	65873	18785	650	2189
AmBank (M) Berhad	2007	MALAYSIA	43466	46120	3093	37136	62048	4812	56148	13345	-442	2655
Bank of Communications Co. Ltd	2014	CHINA	3354787	3431735	473605	4029668	6268299	584502	4164477	802186	66035	76948
Bank of Communications Co. Ltd	2013	CHINA	3193063	3266368	421484	4157833	5960937	516482	4274068	786752	62461	73305
Bank of Communications Co. Ltd	2012	CHINA	2879628	2947299	381447	3728412	5273379	456075	3242504	699685	58472	67671
Bank of Communications Co. Ltd	2009	CHINA	1801538	1839314	164425	2372055	3309137	226443	1849352	684551	30211	37776
Bank of Communications Co. Ltd	2008	CHINA	1298776	1328590	145600	1865815	2678249	185447	1351438	715971	28621	29814
Bank of Communications Co. Ltd	2007	CHINA	1082788	1104490	133321	1541486	2110444	167858	1139287	434650	20402	21702
China Construction Bank Corporation Joint Stock Company	2014	CHINA	9222910	9474523	1252363	12898675	16744130	1516928	10203643	1306794	228247	251613
China Construction Bank Corporation Joint Stock Company	2013	CHINA	8361361	8590057	1074329	12223037	15363210	1316724	9872790	1339371	215122	228696
China Construction Bank Corporation Joint Stock Company	2012	CHINA	7309879	7512312	949545	11343079	13972828	1093429	7637605	1377778	193602	202433
China Construction Bank Corporation Joint Stock Company	2009	CHINA	4692947	4819773	559020	8001323	9623355	608233	5197545	2190505	106836	126826
China Construction Bank Corporation Joint Stock Company	2008	CHINA	3683575	3793943	467562	6375915	7555452	510416	4196493	1556239	92642	110368
China Construction Bank Corporation Joint Stock Company	2007	CHINA	3183229	3272157	422281	5329507	6598177	463182	3683123	1099586	69142	88928
China Everbright Bank Co Ltd	2014	CHINA	1271430	1299455	179483	1785337	2737010	212719	1898231	511485	28928	28025
China Everbright Bank Co Ltd	2013	CHINA	1142138	1166310	153052	1605278	2415086	175351	1658861	405588	26754	24172
China Everbright Bank Co Ltd	2012	CHINA	997331	1023187	114322	1426941	2279295	152103	1383605	478305	23620	25856
China Everbright Bank Co Ltd	2009	CHINA	632151	647916	48122	799644	1197696	70512	678949	378713	7643	15765
China Everbright Bank Co Ltd	2008	CHINA	450521	464574	33232	605170	851838	43705	480271	241493	7316	14053
China Everbright Bank Co Ltd	2007	CHINA	395104	412284	24689	540661	739187	26708	371501	208826	5039	17180
Fifth Third Bank	2014	UNITED STATES OF AMERICA	89896	91205	16562	105321	136279	15213	116109	11367	1500	1491
Fifth Third Bank	2013	UNITED STATES OF AMERICA	87852	89420	15718	102151	128186	14795	115006	8640	1873	1790
Fifth Third Bank	2012	UNITED STATES OF AMERICA	86737	88581	14917	93278	119445	13721	107710	5072	1652	2154
Fifth Third Bank	2009	UNITED STATES OF AMERICA	75059	78806	16301	86972	112736	15648	100591	6019	845	4080
Fifth Third Bank	2008	UNITED STATES OF AMERICA	42150	43400	5328	43459	69460	6444	58818	12671	-31	1250
Fifth Third Bank	2007	UNITED STATES OF AMERICA	40473	40871	5265	36499	61463	6071	58165	8004	611	398
Huntington National Bank	2014	UNITED STATES OF AMERICA	47446	48049	6457	52516	66111	6956	54387	1207	658	664
Huntington National Bank	2013	UNITED STATES OF AMERICA	42779	43424	5921	48578	59305	6520	49609	947	678	708
Huntington National Bank	2012	UNITED STATES OF AMERICA	40702	41468	5352	47290	55955	6094	47676	1241	645	807
Huntington National Bank	2009	UNITED STATES OF AMERICA	35558	37023	3418	42031	51111	4780	43149	1704	-3130	1513
Huntington National Bank	2008	UNITED STATES OF AMERICA	40295	41185	5841	39203	53548	4977	46438	1461	43	890
Huntington National Bank	2007	UNITED STATES OF AMERICA	39677	40240	6223	38003	54099	4650	45731	3276	63	563
JP Morgan Chase Bank, NA	2014	UNITED STATES OF AMERICA	640801	652153	186208	1439404	2074952	173659	1230358	864525	14778	11971
JP Morgan Chase Bank, NA	2013	UNITED STATES OF AMERICA	619348	632482	169333	1326036	1945467	165495	1171574	769285	15438	13835
JP Morgan Chase Bank, NA	2012	UNITED STATES OF AMERICA	608723	625914	146280	1246327	1896773	146870	1094155	709620	13955	17845
JP Morgan Chase Bank, NA	2009	UNITED STATES OF AMERICA	535981	559747	128319	1024036	1627684	136646	1011995	531923	8422	24701
JP Morgan Chase Bank, NA	2008	UNITED STATES OF AMERICA	646750	663903	129796	1055765	1746242	143866	1168690	780284	10419	17153
JP Morgan Chase Bank, NA	2007	UNITED STATES OF AMERICA	488371	495386	107614	772087	1318888	112253	950001	647980	10732	7015
Malayan Banking Berhad - Maybank	2014	MALAYSIA	403513	409472	54741	439569	640300	57300	352945	96290	6911	5959
Malayan Banking Berhad - Maybank	2013	MALAYSIA	355618	361380	47743	395611	560319	48355	308704	74411	6771	5763
Malayan Banking Berhad - Maybank	2012	MALAYSIA	311825	317798	43815	347156	494911	49306	282229	81923	5919	5974
Malayan Banking Berhad - Maybank	2009	MALAYSIA	185783	193363	25768	212599	310739	33917	226115	31397	751	7580
Malayan Banking Berhad - Maybank	2008	MALAYSIA	164614	171156	20092	187112	269101	25889	197707	43354	3004	6541
Malayan Banking Berhad - Maybank	2007	MALAYSIA	140865	147497	19868	163677	256667	27146	179222	62631	3253	6633
RHB Bank Berhad	2014	MALAYSIA	139544	141301	15435	154857	204637	19069	123219	20002	1867	1757
RHB Bank Berhad	2013	MALAYSIA	117892	120056	13412	135615	174158	16288	113564	14301	1764	2164
RHB Bank Berhad	2012	MALAYSIA	107831	110010	12037	131542	170336	15258	87995	28459	1808	2178
RHB Bank Berhad	2009	MALAYSIA	67127	69846	7832	81868	106095	9115	72114	18740	1188	2719
RHB Bank Berhad	2008	MALAYSIA	60128	62639	6828	71011	94938	7685	67281	16526	1070	2511
RHB Bank Berhad	2007	MALAYSIA	53703	55898	5976	72704	94484	8007	59674	22379	890	2195