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Bank Management Assignment

   

Added on  2020-04-21

27 Pages2880 Words347 Views
BANK MANAGEMENT ASSIGNMENT

1By student name ProfessorUniversityDate: 07 November 2017.1 | P a g e

2ContentsIntroduction..................................................................................................................3Review and Analysis.....................................................................................................4Conclusion.....................................................................................................................24Refrences...................................................................................................................252 | P a g e

3IntroductionIn the given assignment, the consolidated financial statements of the two global banks needs to beanalysed and checked for the efficiency and the management of the operations. Industrial andcommercial bank of China Limited is a Chinese multinational bank. This is the largest bank in thw worldin terms of the assets and the market capitalization in the world. It is the largest public company too interms of the assets and ranks 1 in the Forbes Global 2000 list in terms of the world’s biggest publiccompanies. It issued the world’s largest IPO a that time and is listed on both the Shanghai StockExchange and the Hong Kong Stock Exchange. On the other hand, Citibank is the consumer division ofthe multinational company Citigroup. It has 2649 branches in nearly 19 countries, majorly at UnitedStates and Mexico. It has its headquarters in New York and is considered to be one of the premiumbanks all over the world, rendering world class services in terms of credit cards, loans, mortgages andmeeting other finance needs.3 | P a g e

4Review and Analysis1.Balance sheet structure and percentages: Income statement and balance sheet as percentagesof total assets for each year31/12/201131/12/201231/12/201331/12/201431/12/20150.158710.158990.163870.163430.154052.7%3.0%2.9%3.0%2.8%0.1%0.1%0.1%0.1%0.2%0.8%0.8%0.8%0.8%0.8%0.2%0.2%0.2%0.2%0.2%3.8%4.1%4.1%4.1%3.9%1.2%1.4%1.4%1.5%1.3%0.0%0.1%0.1%0.1%0.1%0.2%0.2%0.2%0.2%0.2%0.0%0.0%0.0%0.0%0.0%1.5%1.7%1.7%1.7%1.6%2.3%2.4%2.3%2.4%2.3%0.7%0.7%0.7%0.7%0.7%0.0%0.1%0.1%0.1%0.1%0.7%0.6%0.6%0.6%0.6%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.1%0.1%0.1%0.1%3.0%3.0%3.1%3.1%3.0%0.2%0.2%0.2%0.3%0.4%0.0%0.0%0.0%0.0%0.0%0.2%0.2%0.2%0.3%0.4%2.8%2.8%2.9%2.8%2.6%0.6%0.5%0.5%0.5%0.5%0.2%0.2%0.2%0.1%0.1%0.3%0.4%0.4%0.4%0.3%1.1%1.1%1.1%1.1%1.0%1.7%1.7%1.8%1.7%1.6%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%1.8%1.8%1.8%1.8%1.6%0.4%0.4%0.4%0.4%0.4%0.0%0.0%0.0%0.0%0.0%1.3%1.4%1.4%1.3%1.3%0.5%0.5%0.5%0.4%0.4%0.9%0.9%0.9%0.9%0.9%0.5%0.5%0.5%0.4%0.4%0.0%0.0%0.0%0.0%0.0%1.3%1.4%1.4%1.3%1.2%0.0%0.0%0.0%0.0%0.0%ICBC % Preferred dividends related to the period Profit attributable to group equity holders Profit attributable to non-controlling interest Net profit/(loss) for the year from discontinued operations Net income Dividend paid Retained Income Common dividends related to the period Equity accounted share of profits of associates and joint ventures Non-operating income Non-operating expenses Profit/(loss) on acquisition and disposal of subsidiaries Profit before tax Income tax expense Net operating revenues Staff expenses Other administrative expenses Other operating expenses Total operating expenses Operating profit Net gains and losses on real estate Other operating income Operating revenues Impairment on loans and advances Impairment on other assets Total Impairment charges Net trading income on securities and derivatives Net gains and losses on assets & liabilities at fair value through P&L Net gains and losses on other securities Total net trading income and fair value gains and losses Net insurance income Dividend income: common stock Other interest expenses Total interest paid Net interest income Fee and commission income Fee and commission expense Net fee and commission income Interest and preferred stock dividends on securities (AFS and HtM) Other interest income Total interest received Interest on customer deposits Interest on debt securities Interest on bank depositsConsolidated data in US$ million.Exchange rate: CNY/USDIncome statement Interest on loans Interest on bank deposits4 | P a g e

518.1%18.4%17.7%17.6%14.3%3.1%3.6%3.8%3.8%3.1%2.3%3.1%1.8%2.3%4.5%0.1%0.1%0.1%0.1%0.4%1.0%1.3%2.0%1.7%1.5%5.4%5.2%5.3%5.8%6.5%15.7%14.7%13.9%12.5%12.9%3.2%2.1%1.7%1.6%1.6%0.2%0.2%0.2%0.1%0.1%7.7%7.6%9.1%10.0%11.3%5.3%5.4%5.3%4.8%4.6%36.6%36.1%37.2%36.9%35.4%0.7%1.0%0.8%1.7%2.4%50.3%50.2%52.5%53.5%53.7%1.3%1.3%1.3%1.2%1.3%49.1%48.9%51.2%52.3%52.5%0.0%0.0%0.0%0.0%0.0%0.1%0.1%0.2%0.1%0.1%0.0%0.0%0.0%0.0%0.0%0.8%0.8%0.9%1.0%1.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.0%0.8%1.3%1.2%1.1%1.4%1.5%2.1%2.1%2.1%2.4%0.0%0.1%0.0%0.0%0.0%0.1%0.1%0.1%0.1%0.1%0.2%0.2%0.2%0.1%0.1%100.0%100.0%100.0%100.0%100.0% Total assets Foreclosed / Other real estate owned Other assets Other assets Goodwill Other Intangible assets Intangible assets Deferred tax assets Investment property Fixed assets (property, plant and equipment) Insurance assets Current tax assets Discontinued operations Corporate loans Other Loans Gross loans Loans loss reserves Net loans and advances to customers Brokerage receivables Financial assets: available for sale Financial assets: held to maturity Other securities Investments in associated companies Mortgage Loans Consumer loans Cash & balances with central banks Net loans and advances to banks Reverse repos, securities borrowed & cash collateral Derivative financial instruments Financial assets: trading and at fair value through P/LAssets5 | P a g e

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