Print cover page and pages 1, 4, and 22 (this is equivalent to pp. 1, 2,5, and 27 on pdf version of paper due to cover page being page 1) of the 3/31/15 SunTrust Banks, Inc. Performance Report (see file below) and bring to class. You should also bring the information for your class project BHC because you will have to evaluate similar information and the discussion should be useful to you.

EXAM -From the printed pages of a bank holding company Performance Report be able to provide an analysis of one or more components of the bank's performance during a time period covered by the Report.  You will need to know and use the ratios covered in the previous class and relate those ratios to its peer group's averages and percentiles and over time.  Examples of the ratios include ROE, net interest margin, net noninterest margin, return on assets, fee income ratio, efficiency ratio, net interest margin after provisions for loan losses, security gains or losses, (fiduciary income/total non-interest income, (service charges on deposits/total non-interest income), and (personnel expense/total overhead expense). If you miss the lecture, go over the project example using SunTrust and its performance report in the project assignment.  The page numbers are identified on the project example.  Try to understand why the numbers are better or worse or riskier or less risky than the comparisons.  Also be able to compare whether the percentile (PCT) is better or worse or riskier or less risky than the median (50^th percentile).

OPTIONAL (NOT ON EXAM):  For those who may want to examine international banks or other international financial firms I recommend http://www.forbes.com/global2000/.