The Oversea-Chinese Banking Corporation Limited (OCBC) was established in 1932, and is one of the oldest financial institutions in Singapore. The table below provides the Average Total Assets, Average Total Equity, Return on Assets (ROA), Return on Equity (ROE), and Net Interest Margin (NIM) for OCBC for the years 2020 to 2023.

Based

on the computed percentage change between 2020 and 2023 for DBS Group Holdings

Ltd, compare the percentage change in Return on Equity (ROE) with that of its

competitor, OCBC. Indicate whether the percentage change in ROE for DBS is

HIGHER or LOWER than that of OCBC.

Instructions: You MUST only type

HIGHER

or LOWER

Based

on the computed percentage change in Return on Assets (ROA), Return on Equity

(ROE), and Net Interest Margin (NIM) for DBS Group Holdings Ltd between 2020 and 2023, which financial ratio

had the highest increase?

Instructions: You MUST enter only the acronym

of the financial ratio

with the highest increase. For example,

To

accurately assess a bank’s performance, it is important to compare it with its

competitors, as this provides a clearer understanding of its market position,

efficiency, and profitability relative to industry peers.

The Oversea-Chinese Banking Corporation Limited (OCBC) was established in 1932, and is one of the oldest financial institutions in Singapore. 

The table below provides

the Average Total Assets, Average Total Equity, Return on Assets (ROA), Return

on Equity (ROE), and Net Interest Margin (NIM) for OCBC for the

years 2020 to 2023.

Based on the computed percentage

change between 2020 and 2023 for DBS Group Holdings Ltd, compare the percentage

change in Return on Assets (ROA) with that of its competitor, OCBC.

Indicate whether the percentage change in ROA for DBS is HIGHER or LOWER than

that of OCBC.

Instructions: You MUST only type

HIGHER

or LOWER

What

is the percentage change of the Net Interest Margin (NIM) between 2020 and 2023?

Instructions

: Once you have computed the percentage change for the requested

financial variable or ratio, you

What

is the percentage change of the Return on Equity (ROE) between 2020 and 2023?

Instructions

: Once you have computed the percentage change for the requested

financial variable or ratio, you

What

is the percentage change of the Return on Assets (ROA) between 2020 and 2023?

Instructions

: Once you have computed the percentage change for the requested

financial variable or ratio, you

What

is the percentage change of the Total Assets between 2020 and 2023?

Instructions

: Once you have computed the percentage change for the requested

financial variable or ratio, you

Part 3: Financial Institution (Bank) Performance –

Financial Variable and Ratio Analysis 

To analyze financial variables and ratios effectively,

you can compute percentage changes between years to determine whether they

have increased or decreased over time. Tracking these changes helps

identify trends, assess financial performance, and detect potential issues or

improvements in a bank’s financial health. Using the values extracted and

calculated in Parts 1 and 2, compute the percentage changes for the

requested variables or ratios to gain insights into their trends over time.

What

is the percentage change of the Net Profit between 2020 and 2023?

Instructions

: Once you have computed the percentage change for the requested

financial variable or ratio, you

Compute and report the Net Interest Margin (NIM) for the year 2022.

Instructions: Once you have computed the requested financial ratio, you MUST

convert it to a percentage and round it to two decimal places. Then, enter the

value in the blank space below, following the format shown in the table above.

Compute and report the Net Interest Margin (NIM) for the year 2023.

Instructions: Once you have computed the requested financial ratio, you MUST

convert it to a percentage and round it to two decimal places. Then, enter the

value in the blank space below, following the format shown in the table above.