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27 Mar 2018 04:25
You are required to answer all these questions below about Huntington Bancshares, Inc. Remember that elevator analysis is no analysis. By that I mean dont just tell me that this increased or that decreased. Explain why even if there is not a follow up question that asks you do so. I strongly suggest that you visit Huntington Banks web site and read information under Investor Relations tab for information that will help. At the very least read managements comments in the 10K. If Huntington Bank has any unusual activity such as mergers or divestitures you will need to factor that into your discussion. Before you answer the questions below please get the UBPR Report here is how Below: 2. Discuss the stock price performance of the holding company of the bank during the past three years. Remember the holding company may have other assets than the bank. But for almost all BHCs the bank is the largest asset. The stock price is not on the UBPR. You can find it on Yahoo finance, Stock Tracker or similar web sites.
Compare Yearly returns to return of some broader Index such as S&P 500 or an index of bank stocks. These are readily available on the Internet. Why did your bank either outperform or underperform the market? This to consider-stock splits, stock buybacks and the like. Remember what you learned in your other Finance classes. 3. Describe the behavior of your banks ROA and ROE over the past three years. How does the performance of ROA and ROE relate to that of the peer group over this period based on the results on the Uniform Bank Performance Report, given the relationship ROE=ROA times the equity multiplier (asset/equity) has your ROE been driven more by changes in ROA or by changes in the equity multiplier? What are the main factors that account for the behavior of your ROA over this period? 4. Describe the behavior of your Banks efficiency ratio over the 3 years? How does it performance relate to the peer group? What factors have affected your efficiency ratio over this time period? 5. Describe the behavior of your banks net interest margin (NIM) over the past three years? How does it performance relate to the peer group? What factors have affected your NIM over this time period? Is it a volume or a mix effect? 6. Describe your banks approach to liquidity measurement (Look at the management discussion in the 10K and the investor relations material and present data that indicates whether your bank is more or less liquid than banks in your peer group. What are the primary pros and cons of above-average liquidity? Of below average liquidity? 7. How does your bank measure its interest rate exposure? What do the most recent measures show about the size of this exposure? If your bank wishes to reduce its interest rate exposure, what tactics might it use to produce such a result? Do you believe your bank is positioned for an increase in interest rates? Why or why not? 8. What is your banks current level of non-performing (nonaccrual) loans to total loans and has it been increasing or decreasing? How does it performance relate to the peer group? What factors have affected this over this time period? Describe any other credit risk ratios that affected the banks performance? 9. Describe the behavior of your Banks capital ratios over the 3 years? How does it performance relate to the peer group? What factors have affected the capital ratio over this time period? Is the bank adequately capitalized (Remember to look at risk based capital information on the UBPR)

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