Key Details in a Bank's Annual Report

Key Details in a Bank's Annual Report

In this video, Ted outlines the 5 key things to look for in a bank’s annual report. These include: how a bank funds its loan book; the relationship between the amount of equity and the total assets of the bank; the relationship between net interest income and other income; the amount being spent on costs as a proportion of total income; and whether it is adequately providing for non-performing loans.
Overview

The financial statements of a bank company are unlike those of any other organisation. Below are 5 key things to look for when confronted with the accounts of a bank.

Key learning objectives:

  • Identifying whether you are looking at the accounts of a commercial or investment bank

  • Ensuring that the costs are under control

  • Understand the importance of capital adequacy checks

  • Identifying the source of funds

  • Ensuring there is an adequate provision for ‘non-performing loans’

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Summary
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Expert
Ted Wainman

Ted Wainman

Ted Wainman trained and qualified as an Associate Chartered Accountant (ACA) with Ernst & Young before joining JPMorgan on the Investment Management side of the business. He since has over 17 years of experience in designing, developing and delivering financial & business skills training workshops for over 275 clients in more than 35 countries.

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