Briefly compare and contrast the credit risk management practices and outcomes for Wells Fargo, Goldman Sachs and UBS's annual report of 2022. Explain which of these three institutions has the most credit risk and which one has the least credit risk. Justify your answer with at least two numerical comparisons of these three institutions, and at least one qualitative comparison between these three institutions. Use data and descriptions from the risk management section of the annual reports.

Identify at least two different ratios from the standpoint of an investor or creditor in determining the financial health of an organization. Describe how the measure is calculated and the reason for selecting the two ratios that you chose.

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Consider the following questions on credit risk   a) Describe the Basel II framework and its drawbacks   b) Sean who is a credit risk analyst has come up with the following counts of good andbadcredit score models.

Question No: 04 This is a subjective question, hence you have to write your answer in the Text-Field given below. "In case of financial institutions along with financial performance financial stability is also very crucial." Discus with suitable illustrations the ratios calculated in order to measure financial stability of a bank.

If you were the banker, what information would you want from a company to evaluate their riskiness and their ability to repay a loan? What specific information would you need to begin a cash receipts forecast? Identify three items that would be helpful.

Critically evaluate the role of credit rating agencies.

You own a car with somewhat high fuel consumption. It is 10 years old and can be sold now for $3,000 cash. Assume its market value (MV) in two years will be $500. The annual maintenance expenses are expected to be $400 into the foreseeable future, and the car averages only 2 miles per gallon of fuel. Gasoline costs $5.00 per gallon, and the car will be used for about 200 miles per year. If you sell the old car, you can buy a newer model for $10,000. It will be under a maintenance warranty for two years, so this expense is negligible. The newer car will average 10 miles per gallon of fuel and will have an MV of $7,000 in two years. Use a two-year study period to determine which alternative is preferred. The MARR is 15% per year. State your assumptions.