Commercial Bank Project Finance Commercial Banking Project. Instruction for the assignment will be uploaded with examples on how to do each part. The Bank

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Commercial Bank Project Finance

Commercial Banking Project. Instruction for the assignment will be uploaded with examples on how to do each part. The Bank chosen will be Citigroup.

Project needs to be done EXACTLY how examples are shown in the documents I have provided. Instructions are very clear. 1

A. Commercial bank financial analysis

1. Perform the following standard ratio analysis using the 2020 end-of-year (December 31) financial statement
information for the bank holding company (BHC) that you are studying. Details can be found in Chapter 12 of

the textbook. Provide a brief but informative written analysis of the results.

You can download all necessary data from the FDIC website. Go to fdic.gov and click on:

– Analysts Institution Directory Search Bank Holding Companies.
– Enter the BHC name and state (or its ID #).
– Click on the name of your banking company.
– Click on the BHC ID link for your banking company.
– On the pull-down menu, select “All Summary Information.”

NOTE: As we discussed in class, do not use the definition of “operating income” from page 389 of the

textbook. Instead, use the following more standard definition:

Operating income = noninterest income + net interest income – provisions for loan losses.

2. Construct trend lines:

 Compile trend data for your BHC for each of the five performance ratios. Use year-end data, starting
in 2000 and ending in 2020.

 Compile trend data for the banking industry for each of the five performance ratios. Use year-end
data, starting in 2000 and ending in 2020.

You can get banking industry data from the FDIC website:

Analysts Historical Statistics on Banking Commercial Bank Reports; or

Analysts Statistics on Depository Institutions (SDI) Retrieve Reports.

Important Note: The reports are standard for each company and the industry and all items are reported.

However, industry numbers do not need to be under the same label/heading as the individual bank

data. So, look carefully and remember: there should be absolutely no questions posed to the

professor on the commercial banking assignment.

 Prepare five graphs that compare the trend lines for your BHC to those for the industry.

 Provide a brief but informative written analysis of the results. Has your BHC differed from the
averages? Or is it similar to the averages? Why?

NOTE: To answer these questions, you might want to click on some of the links within the income statements

and balance sheets for your BHC. This will reveal more detailed information and help you answer this

question. Good places to look are (a) loan portfolio composition (b) deposit funding (c) noninterest income (d)

loan quality (e) cost efficiency (f) interest margin.

Equity

Multiplier

Asset Turnover

(Utilization)

Return on

Equity

Return on

Assets
Return on Sales

(Profit Margin)

There should be absolutely no questions posed to the professor on the commercial banking assignment.

The professor will not provide answers to students to prevent unfair competition. All groups need to

communicate with their group members and find answers within groups or if necessary consult other

groups since this is a “re-search” “group” project. Another approach would simply defeat the purpose.

2

B. Exploring the business strategy of your bank:

1. What are the fundamental underpinnings of your bank’s financial performance? Repeat the time trend
analysis from part A, but this time, compare the following financial ratios (see text book) for your banking

company to the industry averages:

 Net interest margin.

 Allowance for loan losses, as a % of assets.

 Loans to core deposits ratio.

 Loans to assets ratio.

 Noninterest income, as a % of operating income.

 Cost efficiency ratio = noninterest expense/operating income.

 Equity-to-Assets ratio.

Remember to define operating income as:

net interest income – provisions for loan losses + noninterest income.

2. Noninterest income. Calculate noninterest income/operating income for your bank in 2020. Also, analyze
the components of noninterest income in 2020, dividing each type of noninterest income by total

noninterest income. Compare to the industry averages. Comment.

3. Loan portfolio. Calculate loans/assets for your bank in 2020. Also, analyze the components of the loan
portfolio in 2020, dividing each type of loan by total loans. Compare to the industry averages. Comment.

4. Deposit funding. Calculate deposits/assets for your bank in 2020. Also, analyze the components of the
deposit mix in 2020, dividing each type of loan by total deposits. Compare to the industry

averages. Comment.

NOTE: (a) The financial statements list many different categories of noninterest income, loans, and deposits.

So for items 2, 3, and 4 you should feel free to combine some of these categories to make your analysis best

illustrate your bank’s business strategies. (b) A good way to organize the data in 2, 3, and 4 is using pie charts.

3

Instructions

 Submit the Word, Excel, and Powerpoint Files of the banking project to the assignment
dropbox. Finished assignment is to be turned in through Canvas in the Assignment dropbox. You

need to submit three distinct files. In addition to the word processing file, you also need to provide an

excel file including the details of your calculations and a powerpoint presentation. The dropbox is

configured as a group dropbox (only one student from the group is supposed to submit). For that

submission, the student should include the Word, Excel, and PowerPoint documents at once. The

dropbox allows for multiple files to be attached. The instructor reserves the right to check these for

academic integrity and plagiarism using technology tools like Turnitin.com. A penalty up to 15% out

of 30% or 50 points out of 100 points may be applied to the group projects who fail to timely fulfill

this requirement. The assessment criteria can be found in Appendix C of this document.

 Submit the LINK to the recording of your Powerpoint Presentation to the assignment dropbox.
All groups need to record and upload the link to the recording of their Powerpoint Presentation. The

recording will be shared with the rest of the class and will be the basis of the discussion forum on the

commercial bank project.

o Online video submission is strictly preferred to powerpoint with narration for purposes of
feedback and evaluation. You should note that the bar for getting a passing grade on

powerpoint with narration may be higher than that of online video submission. A penalty up

to 7.5% out of 30% or 25 points out of 100 points may be applied to the final project grade

for the group projects who utilize powerpoint with narration instead of an online video

submission.

o The link to the finished recorded Powerpoint Presentation is to be turned in through Canvas in
the Assignment dropbox. (Please DO NOT upload the actual file of the recording of your

powerpoint presentation to the assignment dropbox. Upload the link only). All groups

would need to host their videos externally (like on YouTube or Vimeo as unlisted) and share

that link in the assignment dropbox.

 If you have an account with a file backup service like Dropbox or Google Drive, you can
upload the video there and share the video via a web link.

o YouTube is one option for uploading the link of your video. Remember that you can
refer to Appendix B for the details.

o The link to Google Drive is https://www.google.com/drive/. You can find the
instructions for Google Drive sharing

at https://support.google.com/drive/answer/2494822?hl=en.

o Link to dropbox is https://www.dropbox.com/. You can find the instructions for
Dropbox sharing here at https://www.dropbox.com/en/help/274.

 Your presentation should be between 15 – 30 minutes in length.

 You may use Adobe Connect to record your presentation. Adobe Connect is an online tool
that facilitates online meetings with the professor and other students. To make the best use of

Adobe Connect your computer should be equipped with a Web Cam and microphone, but

these are not necessary. Alternatively, you may use YouTube or the voice narration in

PowerPoint. However, online video submission is strictly preferred to powerpoint with

narration for purposes of feedback and evaluation. You should note that the bar for getting a

passing grade on powerpoint with narration may be higher than that of online video

submission. A penalty up to 7.5% out of 30% or 25 points out of 100 points may be applied

to the final grade of the group projects who utilize powerpoint with narration instead of an

online video submission.

 Group members should use their own discretion on the member(s) who will present the
project. It can be presented by one person or include up to six people sharing the presenting

role. Regardless of who or how many present, the entire group gets one grade. Additional

information about resources, frequently asked questions will be posted as necessary on the

Commercial Banking Project Discussion Forum.

https://www.google.com/drive/

https://support.google.com/drive/answer/2494822?hl=en

https://www.dropbox.com/

https://www.dropbox.com/en/help/274

4

 Remember that the detailed instructions on how to record and upload online video or
narrated powerpoint can be found in Appendix B of this document. Here is a link

from Microsoft PowerPoint that will help with powerpoint narration:

https://support.office.com/en-US/Article/Add-narration-to-a-presentation-0b9502c6-

5f6c-40ae-b1e7-e47d8741161c#bm5.

 The presentation assessment criteria and some presentation tips can be found in
Appendix D of this document.

 Participate in the Discussion board for the banking project presentations and feedback. Check
the Commercial Banking Project folder in the content area for the deadlines and group assignments.

Comment on the presentations of your assigned groups, pose at least four questions to your assigned

presenting group, and answer all of the questions from your class mates. A penalty up to 6% out of

30% or 20 points out of 100 points may be applied to the group projects who fail to timely fulfill this

requirement.

 Submit iPeer Confidential Peer Evaluations. You will fill out a form for each of your group
members and submit. You will choose a rating for each criterion for each member. You will not see

the scores your team members assign to you and they will not see yours. It is completely anonymous.

You will only see the average of the submitted scores. Your iPeer grade is worth 10% of your overall

course grade. Students who do not participate in the iPeer Confidential Peer Evaluations will receive a

score of zero on their iPeer grade. Also, there will be a late submission penalty for late iPeer

submissions. Your iPeer evaluation grade will not be made available until the day after the group

assignment is due.

https://support.office.com/en-US/Article/Add-narration-to-a-presentation-0b9502c6-5f6c-40ae-b1e7-e47d8741161c#bm5

https://support.office.com/en-US/Article/Add-narration-to-a-presentation-0b9502c6-5f6c-40ae-b1e7-e47d8741161c#bm5

5

APPENDIX A. Instructions on group dynamics

o A benefit of working together in groups is to provide a different perspective that comes from
listening to various viewpoints from class members who come from very diverse

backgrounds. In forming the group, consideration should be given to selection of a diverse set

of people coming from different cultural backgrounds and languages.

o It is imperative that a preliminary meeting be set up as soon as the group is formed.
Members must have the opportunity to meet each other and discuss the major aspects of the

project so that everyone is on the same page. This meeting is also essential in order for group

members to get a glimpse of everyone’s personality.

 Select a group leader at the first meeting. Someone always has to take the lead or
invariably an important task will not be completed. Team members need to be able

to look to this person for guidance when uncertainties arise. This person should

work well with others but still have all essential leadership qualities. The individual

chosen for this role should not be the most popular person or your best friend; they

must have demonstrated previous ability and performance.

 Group members must become well-acquainted with the art of compromise.
Remember you are likely to be from different backgrounds with different schedules.

Try to make decisions where there is consensus across the board. Get everyone to

discuss their strengths and weaknesses up front. Although no one likes to highlight

them, it can prevent setbacks and complete disaster later on. Once you know

everyone’s strengths and weaknesses, it makes dividing up the work easier and gives

the leader a chance to help alleviate the weaker characteristics of team members.

o Divide the work equally and carefully, considering the strengths and weaknesses outlined by
all members. Nobody likes those group scenarios where one person is forced to do more than

his fair share because some other member refuses to pull his weight. The leader should

receive verbal confirmation from each member to ensure that he understands his duties as

outlined and is willing to be held accountable.

o Group collaboration may be done online through Skype, Adobe Connect, or another web
based mechanism. In today’s global world where people are expected to collaborate virtually

you will be developing a valuable skill.

6

APPENDIX B. Information for online video uploads

STEP 1: RECORDING YOUR SPEECH OR PRESENTATION

Note about Recording your Video: You must record your presentation as though you were

delivering it in front of an audience. You must be standing up and the camera frame must

show your entire body (including your feet!) as well as any visual aids you may have, i.e.

PowerPoint, Prezi, easels, or 3-D models. You can project your Powerpoint on a wall or

connect your laptop to a large screen monitor that you stand beside but you must make sure

all content is visible (and readable), all spoken words are audible, the lighting is sufficient to

show you and the Powerpoint and that everything records properly!

DRESS IN BUSINESS ATTIRE

DO NOT SIT

DO NOT RECORD HALF OF YOUR BODY,

AND ALWAYS FACE THE CAMERA

Record yourself as the image shown to the right

Use “job interview” English (no “you guys,” no slang) and conduct

yourself like a financial professional presenting to clients. You can

be friendly and engaging, but you should assume you are presenting

to a “mixed” audience, not your peers.

After you have recorded your video, you will upload it to Youtube

(you can make it “unlisted” so no one can search under your name

and find the video). Follow the directions listed below for detailed

instructions on setting up your YouTube account and sharing your

video.

PLEASE READ EACH STEP CAREFULLY TO AVOID ANY ISSUES

STEP 2: Set up your FIU YouTube account with your FIU student email

Sign in to your FIU student account (ex: rrang001@fiu.edu) by going to panthermail.fiu.edu.

On the next screen, in the top right corner, click on the little grid of tiny squares. Then click on “More” to open

another menu and find the YouTube icon. Click on the YouTube icon and sign in using your _____@fiu.edu

credentials again.

http://panthermail.fiu.edu/

7

1. Click on your name at the top left, which will guide you through creating your
YouTube channel.

2. When you finish, your YouTube channel should be activated.

Step 3: After you’ve recorded your video, you will upload it to your FIU YouTube

account.

UPLOADING YOUR VIDEO PRESENTATION:

Please note: Video files are very large, and can be problematic to upload & manage. Please follow

instructions.

Note about Privacy: YouTube offers you the option to make your video unlisted, meaning that it cannot be

found in a search, and thus, is not viewable to anyone without the link. Only people with whom you share the

link with will be able to watch your video.

** To successfully upload your YouTube video, you will need to use a current version of Chrome,

Firefox, or Safari – NOT Internet Explorer.

Upload your video: To upload your presentation video

1. Login to YouTube using your FIU student email: www.youtube.com

2. Click on Upload

3. Click on the big arrow and select the file to upload

http://www.youtube.com/

8

4. Change the privacy setting from Public to Unlisted

5. YouTube will begin to upload your video.

6. While
your

video is uploading and processing, change the name of your video to “Your Name – Your Course”

and click “Done.” See sample below:

7. Click on the link that was generated and make sure your video plays and has audio.

9

8. Below your video, click on “Share.”
Note: Since this is an unlisted video, YouTube will warn you about sharing it, but you have made it unlisted so

only those who have the link will be able to see it.

9. Highlight the generated link and copy it.

10. Paste the link you copied into the assignment dropbox.

That’s it! You have successfully uploaded your video into YouTube and supplied us with the link to view it.

Remember: You are responsible for verifying that your video was uploaded successfully and can be viewed

on YouTube via the link.

10

APPENDIX C. Research Project Assessment Rubric

The written part of the commercial banking group project will be assessed according to the following

standards:

Excellent

A (4)

Good

B (3)

Needs

improvement

C (2)

Poor

D (1)

Fails

F (0)

Content and

focus

1) Exceptionally

well-presented and

argued; ideas are

detailed, well-

developed, supported

with specific

evidence and facts,

as well as examples

and specific details.

2) Directly addresses

main question or

issue, and adds new

insight to the subject

not provided in

lectures, readings, or

class discussions.

Retains nearly all of

the knowledge

presented in class

and synthesizes this

knowledge in new

ways and relates to

material not covered

in the course.

3) Clearly presents a

main idea and

supports it

throughout the paper.

Contains a clear

argument—i.e., lets

the reader know

exactly what the

students are trying to

communicate.

4) Exceptionally

clear, focused,

interesting thesis;

strong, rich,

supporting details

and examples that

prove the thesis; a

meaningful

conclusion

explaining the

1) Well-

presented and

argued; ideas

are detailed,

developed

and supported

with evidence

and details,

mostly

specific.

2)

Competently

addresses

main question

or issue, but

does not add

much new

insight into

the subject.

However, the

students have

learned a

great deal in

class and are

able to

communicate

this

knowledge to

others.

3) There is a

main idea

supported

throughout

most of the

paper. An

argument is

present, but

reader must

reconstruct it

from the text.

4) Clear

thesis which

maintains a

consistent

1) Content is

sound and solid;

ideas are present

but not

particularly

developed or

supported; some

evidence, but

usually of a

generalized

nature.

2) Attempts to

address main

question or issue,

but fails. The

students have

retained some

information from

the course, but do

not fully

understand its

meaning or

context and

cannot clearly

convey it to

others.

3) Vague sense of

a main idea,

weakly supported

throughout the

paper. Students

attempt, but fail,

to make an

argument (e.g.,

starts with a

rhetorical

question/statement

or anecdote that is

never put into

context).

4) Contains thesis

but with

inconsistent focus;

generalized

1) Content is not

sound.

2) Does not

address main

question or issue,

and the students

have not retained

any information

from the course.

3) No main idea.

No attempt to

articulate an

argument.

4) Thesis statement

lacks clarity and

focus; inadequate

or missing

supporting details;

missing a

summarizing

conclusion.

Plagiarism

11

importance of the

research and how it

can be used.

focus from

the beginning

to the end;

specific

supporting

details; and

clear

conclusion as

to why the

research is

important.

supporting details

that prove thesis;

conclusion tends

to summarize

research.

Organization 1) Well-planned and

well-thought out

overall. Includes

title, introduction,

statement of main

idea, transitions and

conclusion.

2) All paragraphs

have clear ideas, are

supported with

examples and have

smooth transitions.

3) Consistent and

coherent logical

progression.

1) Good

overall

organization,

includes the

main

organizational

tools.

2) Most

paragraphs

have clear

ideas, are

supported

with some

examples and

have

transitions.

3) Illustrates

some

consistency

and shows

some logical

progression.

1) There is a sense

of organization,

although some of

the organizational

tools are used

weakly or

missing.

2) Some

paragraphs have

clear ideas,

support from

examples may be

missing and

transitions are

weak.

3) Shows some

attempt of

consistency and

order.

1) No sense of

organization.

2) Paragraphs lack

clear ideas. Little

or no attempt of

transitions between

paragraphs.

3) Lack of

consistency and

order.

Sources and

format

1) Provides

compelling and

accurate evidence

that convinces reader

to accept main

argument. The

importance/relevance

of all pieces of

evidence is clearly

stated. There are no

gaps in reasoning—

i.e., the reader does

not need to assume

anything or do

additional research to

accept main

argument.

2) Evidence is used

from a wide range of

1) Provides

necessary

evidence to

convince

reader of

most aspects

of the main

argument but

not all. The

importance/

relevance of

some

evidence

presented

may not be

totally clear.

Reader must

make a few

mental leaps

1) Not enough

evidence is

provided to

support project’s

argument, or

evidence is

incomplete,

incorrect, or

oversimplified.

2) Information

from lectures and

readings is not

effectively used.

Uses only a few of

the sources

provided in class,

or does not go

beyond what has

been provided by

1) Either no

evidence is

provided, or there

are numerous

factual mistakes,

omissions or

oversimplifications.

2) There is little or

no mention of

information from

lectures and

readings. The paper

does not use

adequate research

or if it does, the

sources are not

integrated well.

3) Does not use

sources, only

12

sources, including

lectures and course

readings. Students

consult scholarly

books, websites,

journal articles, etc.

not explicitly

discussed in class.

3) Sources are

exceptionally well-

integrated and they

support claims

argued in the paper

very effectively.

4) All Quotations

and Works are Cited

correctly.

or do some

additional

research to

fully accept

all aspects of

main

argument.

2) Evidence is

used from

many sources,

but relies

heavily on a

more limited

set of sources.

Some effort is

made to go

beyond

material

presented in

class when

required, but

not much. If

outside

sources are

used, they are

primarily

non-scholarly

(i.e., intended

for a general

audience)

and/or web-

based.

3) Sources are

well

integrated and

support the

paper’s

claims.

4) There may

be occasional

errors, but all

sources and

Works are

Cited.

professor when

required to do

additional

research. 3)

Sources support

some claims made

in the paper, but

might not be

integrated well

within the paper’s

argument.

4) There may be a

few errors in the

citations of the

Quotations and

Works.

minimally uses

sources provided

by instructor, or

relies exclusively

on non-scholarly

outside sources.

4) The sources,

quotations, and

works are not cited

correctly, nor listed

correctly.

Style 1) Sentences are

clear and varied in

pattern, from simple

to complex, with

excellent use of

punctuation.

2) There is clear use

of a personal and

unique style of

1) Sentences

are clear but

may lack

variation; a

few may be

awkward and

there may be

a few

punctuation

1) Sentences are

generally clear but

may have

awkward structure

or unclear content;

there may be

patterns of

punctuation

errors.

1) Sentences aren’t

clear

2) No attempt at

style

3) No use of

examples

13

writing, suited to

audience and

purpose; the paper

holds the reader’s

interest with ease.

3) Large amounts of

specific examples

and detailed

descriptions.

errors.

2) There is an

attempt at a

personal style

but style of

writing may

be awkward

or unsuited to

audience and

purpose; the

reader may

lose interest

in some

sections of

the paper.

3) Some use

of specific

examples and

detailed

descriptions.

May have

extended

examples that

go on for too

long.

2) There is little

attempt at style;

reads as flat and

perhaps

uninteresting in

content, which is

usually

generalized and

clichéd.

3) Little use of

specific examples

and details;

mostly

generalized

examples and

little description.

Grammar

and

mechanics

Superior editing:

Excellent grammar,

spelling, syntax and

punctuation.

Careful

editing: A

few errors in

grammar,

spelling,

syntax and

punctuation,

but not many.

Some evidence of

editing: Shows a

pattern of errors in

spelling,

grammar, syntax

and/or

punctuation, signs

of lack of proof-

reading.

Poor editing:

Continuous errors

14

APPENDIX D. Presentation Tips and Presentation Assessment Rubric

See some general public speaking and presentation tips below.

 You should use “job interview” English (no “you guys,” no slang, etc.) and conduct yourself like a
financial professional presenting to clients. You can be friendly and engaging but you should assume

you are presenting to a “mixed” audience, not your peers.

 You need to dress in business attire.

 Have an understanding of your audience (what they know, what they don’t know) and use language
they will understand, along with examples, anecdotes or analogies to aid comprehension.

 Be knowledgeable of your subject. You can’t explain what you do not know.

 Focus on the message. What do you want them to take away/learn from your presentation?

 Be positive. People learn better when the message is framed in a positive way, rather than a negative
way. Focus on what they can do, not what they cannot…

 Practice, Practice, Practice! Most presentations fail because the presenter has not prepared adequately
and attempts to “wing it” by reading off notes or slides or just stumbling through.

Craft a story line for your presentation. Have a beginning, a middle, and an end to your talk. Tell us what your

analysis has found…then show us your analysis…then remind us again what your analysis has found.

Throughout the talk, feel free to remind the audience of your main important points.

Online video submission is strictly preferred to powerpoint with narration for purposes of feedback and

evaluation. You should note that the bar for getting a passing grade on powerpoint with narration may be

higher than that of online video submission. Also, a penalty up to 7.5% out of 30% or 25 points out of 100

points may be applied to the final grade of the group projects who utilize powerpoint with narration instead

of an online video submission.

15

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