December 31, (in millions) 2019 Change 2018 Assets Cash and due from banks Deposits with banks Federal funds sold and securities purchased under resale agreements 21,704 22,324 (3)% 241,927 256,469 (6) 249,157 321,588 (23) Securities borrowed 139,758 111,995 25 Trading assets 411,103 413,714 (1) Investment securities 398,239 261,828 52 Loans 959,769 984,554 (3) Allowance for loan losses (13,123) (13,445) (2) Loans, net of allowance for loan losses Accrued interest and accounts receivable Premises and equipment 946,646 971,109 (3) 72,861 73,200 25,813 14,934 73 Goodwill, MSRS and other intangible assets 53,341 54,349 (2) Other assets 121,022 126,830 Total assets 2,687,379 2,622,532 2% Selected Consolidated balance sheets data December 31, (in millions) 2019 2018 Change Liabilities 2$ 1,470,666 Deposits Federal funds purchased and securities loaned or sold under repurchase agreements Short-term borrowings Trading liabilities 1,562,431 183,675 182,320 40,920 69,276 (41) 144,773 119,277 (18) Accounts payable and other liabilities Beneficial interests issued by consolidated variable interest entities ("VIES") 210,407 196,710 17,841 20,241 (12) 291,498 Long-term debt Total liabilities 282,031 2,426,049 2,366,017 Stockholders' equity 261,330 256,515 Total liabilities and stockholders' equity 2,687,379 2,622,532 2%

Discuss one dimension of financial statement analysis. Explain one technique for analyzing financial statements.  Describe the importance of the accounts receivable turnover ratio to a service-based business such as a hospital.

Please analyze, assess, and synthesize the Annual Report or Form 10-K or Form 20 - F (whatever they call it in that jurisdiction) of the company you choose. You can usually find it on the Company's website in Investor R. Introduction 2. Industry situation and company plans A. Management Letter B. B. Review Company's Products and Services 3. Financial Statements A. Income Statement B. Cash Flow Statement C. Balance Sheet D. Accounting Policies 4. Financial Analysis & Ratio A. Financial Analysis B. Ratio C. Market Indicator Financial Ratios 5. References 6. Complete Calcuation of Part 4 in excelLimi

Hello, could you explain to me what is a decimal place when calculating financial ratios. thank you.