Credit Analysis - Financial Institution - EXCEL Example

About the course

This file presents an example of Peer Group Ratio Analysis for a financial institution. It is a supporting file of the PDF course “Credit Analysis - Financial Institution” (not included in this purchase). The file includes:

1. Balance sheet and Income Statement data for two years for the Financial Institution, 7 other peers and the banking industry as a whole
2. Ratios and comparative results, with graphs, including:

• Investment to Total Assets
• Advances to Total Assets
• Deposits to Total Liabilities
• Advances to Deposits Ratio (ADR)
• Investments to Deposits Ratio (IDR)
• Total Equity to Total Assets
• Leverage
• Total Equity to Advances & Investments
• Commissions to Total income
• Cost to Assets
• Net Margin
• Gross non-interest income to NII
• Net non-interest income to NII
• ROEA
• Yield on Assets
• Income to Advances & Investments
• ROW
• Non-interest expense to Total Assets
• Cost of Funds
• Interest Rate Spread
• Cost to Income Ratio
• Loan Losses
• Non-performing loans (NPL) to Loan
• BVPS
• Price per share
• Price to BVPS
• Cost per branch
• Administrative expense per branch
• Deposits per branch
• Advances per branch

Learning Objectives

After taking this course you will be able to:

• Calculate & graph 31 ratios used for peer group analysis

Prerequisite

Some familiarity with corporate finance, ratio & credit analysis and comfort with basic mathematics and EXCEL is expected.

Target Audience

This course is for beginners in the finance field.