Business Finance Assignment - ANZ bank
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Added on 2020-12-09
Business Finance Assignment - ANZ bank
Added on 2020-12-09
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Table of ContentsINTRODUCTION...........................................................................................................................1TASK...............................................................................................................................................11. Description of the bank...........................................................................................................12. Calculation and analysis of financial ratios............................................................................33. Graphs and comparison of share price movements.................................................................64. Calculation cost of equity........................................................................................................8CONCLUSION................................................................................................................................9RECCOMENDATION..................................................................................................................10REFERENCES..............................................................................................................................11
INTRODUCTIONBusiness Finance includes the financial information that belongs from financial documentlike as cash flow statements, profit and loss statement and balance sheets (Kay, 2015) . It alsodescribed about business strategies that are used by manager for money invest in business andmake operation more profitable. The report presents an analysis of Australia market forproviding possible recommendation about Australian company for investment to their clients.For this purpose, ANZ bank is chosen which is the third largest bank by market capitalisation inAustralia, after the common wealth bank and Westpac banking corporation. It was established on2 March, 1835 for providing banking and financial services. There is focused on core activitiesand competitive advantage of bank. In the market operates with in any factors in the company'shistory. For understand financial position of bank analysis of financial ratios of two years. Thereis presenting graphs and share price movements to know price trend in market and calculate costof equity for stock field. TASK1. Description of the bankANZ is one of the world's largest bank in Australia and New Zealand that provides amajor international banking and financial services group which is included in top 100 bank in theworld. The headquarter of bank situated in Melbourne, where it first opened an office as the bankof Australasia in 1830s. The operations of bank make up the largest part of ANZ's business, withcommercial bank and retail bank. The bank division offers retail products and services to theircustomers with the help of mortgage specialist, branch network, contract centres and third partybrokers. It is providing many facilities related to products for providing comfortability toconsumers like as digital marketing, ATMs, internet banking and phone banking. The bankprovides financial products and services to medium, small and large medium customers,agribusiness, family groups. ANZ was established on 1 October 1951, when the bank ofAustralasia merged with the union bank of Australia limited (Kirschenmann and Norden, 2012).The name of bank shows in sustainability index making it the 2nd year in a row and ANZ hasbeen granted the title. The purpose of this bank to provide a shape of the world to communicatewith people to know their incredible things and they are easily buying their home. Core activities 1
Retail Products – The manager of bank focus on every products because they providessatisfaction to every customers. In retail products they are included – Financing,Transaction services, investing, risk management, International services and FX,insurance and superannuation. Commercial Banking – In commercial banking they are provided Transaction banking,Global markets facility like fixed income, capital markets, commodities and equityderivatives. It is also provided global loans in incorporated finance and syndications. Financial services – In this activities the banks provides financial services to theircustomers like as flexible and competitive lending solutions, assets finance solution,transaction banking services and international trade services. Retail distribution – In this services the bank provides lenders mortgage insurance,financial planning, general insurance distribution service and share investing services(Sassen, 2017). Competitive advantages Competitive advantages are conditions that provides their quality that are different fromtheir competitors. A competitive advantage depends on how efficiently can a country produce agood or services of equal value at a lower price or optimally. For identify competitive advantagesof ANZ bank with the help of staff and customers. Data from the Australian Bureau of statisticspresents fast growth innovators. The ANZ has capped off its financial year with 1.1% increasesin its home loan portfolio and they are closing the gaps on its rivals. The ANZ bank appliedsuper regional strategy to increase volatility and smaller margins. The competitors also appliedthe strategy and gain advantage in mortgage exposure. In 2017, the strategy focusses to improveAsian countries and revenues increased by 25% to 30%. Having diversified their business inother countries so they are focusing on ability of ANZ to transition and actuation revenues fromany one of its markets. When analysis of market situation so it is finding that the ANZ band farbehind from their competitors of common wealth bank and Westpac in terms of home loanmarket share. FactorsThere is recognised sustainability framework as a approach that guiding for futureframework and create perfect picture. The Sustainability Framework deployed at ANZ helps inensuring that the bank’s business is managed in consideration of social, environmental and2
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