Issue 9/10/2014 Revision Date 25/06/2018 Form No. ECT/ACA/F49.

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Project (Course-specific – Graduation)

24 /02 Total Weighted

Date /2020 Time: 6.30 – 8.00 PM Mark:
15

Student’s Name

Student’s ID

Course Name/ Code Commercial Banking Management BAF 421

Instructor Dr. Elias Abu AL-Haija

Semester Spring 2019/ 2020

CLOs as per the CLO#2: Describe how laws and regulations shape the
Syllabus services banks can offer to the public.
CLO#3: Recognize how economic policy carried out by
the Central Bank affects banking system
through which the economy is affected as a
whole.
CLO#7: Compare Comment on various types of business
loans (short-term & long-term).

For details of marking scheme, refer to Rubrics # ACA/F11.04

Note: This Project accounts for 15% of the Student Final Grade.

Project objectives:
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Project (Course-specific – Graduation)

The objective of this report is to familiarize students with mechanics, nature, challenges and
opportunities of banking sectors around the globe and evaluating the financial performance of
specific banks in respective markets (UAE).
Students can find relevant information on the internet, annual reports, TV, radio, newspapers,
magazines, and personal interviews with knowledgeable experts. Particularly, for evaluating the
performance of banks, students need to collect data from the financial statements of the banks.
They can find that information from the bank’s annual reports and bank’s website.
Note that this is a group project and each member of the group is expected to make equal
contributions to the project.

In your report you should include at least the following topics:

1. Industry Analysis:
Describe the nature of the banking industry of UAE.
Describe the major competitors in the market (in brief).
Describe the opportunities and threats of the banking industry in UAE
Describe how laws and regulations in UAE affecting the services banks can offer
to the public (Basel Requirements).
Explain the economic policy in the UAE and how the banks comply with this
policy.
Compare and explain the products offered by the banks in UAE.

2. Bank Analysis:
Analysis one of the country’s biggest bank by comment on the various types of business
loans they offer and calculate most of the following ratios for the bank and its main
competitor for 2017-2018:
1. Tier 1 capital ratio
2. Total capital ratio
3. Equity ratio
4. Loan loss reserve ratio
5. Nonperforming loan ratio
6. Return on average assets
7. Return on average equity
8. Net loan ratio
3. Conclusions:

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Issue 9/10/2014 Revision Date 25/06/2018 Form No. ECT/ACA/F49.03

Project (Course-specific – Graduation)

Provide a brief summary of your analyses and comment on the future prospects of the
bank. Would you recommend an investor to purchase the shares of that bank?
You should support all your analyses with charts and graphs. To get a high grade from
this project, you should make sure that your report contains all the information required
along with many graphs and charts, and looks neat and professional.

Working Guidelines for Term Project:

A. Project Structure:
It is recommended that your project report have the following structure in the order provided
here.
1. Title page
The students’ details should be filled in the cover letter provided.
2. Abstract / Executive Summary
The Abstract consists of the project title and about half a page concise summary containing
the scope and results of your study.
3. Acknowledgements
In this part, you award thanks to those who have been of useful assistance during your
project.
4. Table of Contents
Table of contents should contain titles and page numbers for the main sections and
subsections of your report. The table of contents should also include entries for any
appendices in your report.
5. Report Body
This is the central and main part of the project which contains the actual work done during
the project. The main requirement is that you need to structure the report so that it is clear
and structured in a way that makes sense. Grammar and spellings count.
6. Conclusions
The project's conclusions should list the things which have been learnt as a result of the
work you have done.

7. Appendix

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Issue 9/10/2014 Revision Date 25/06/2018 Form No. ECT/ACA/F49.03

Project (Course-specific – Graduation)

Appendices should be used for all additional supplementary materials. For example -
survey data, interview summaries, diagrams or graphs. Individual appendices are lettered
(e.g. Appendix A, Appendix B, etc.)

8. References
You are responsible for appropriately citing material and methods that you use. Give
references for the data collected from a text book, a magazine or a website identifying its
sources while using the appropriate form. In the references section, references should be in
a numbered list, ordered alphabetically by the last name of the first author.

B. Project Submission Dates:

This project is due on the last day of the class; a group of FIVE can work as a team to finish
this project. The group has the responsibility to distribute the work evenly among the team.
The report should at least be 15 pages and should be uploaded using the model before the due
date.

 Project due date is: May 06th 2020.

 Project presentation dates is: Last week / week 15 (May 18th / 2020).
Late Submission Instructions
Late Submission Instructions:

All students must comply with the submission deadlines. In case of Late Submission, the
following rules apply:
 If students missed deadline by 1 week, the assigned grade is by reduced by 5%
 If students missed deadline by 2 week, the assigned grade is by reduced by 10%
 If students missed deadline by 3 week, the assignment will not be marked and a 0
grade is assigned. Late Submission Instructions
In addition to the hard copy, students are required to submit the report in soft copy also
through the TurnIt-In system which is available online at https://lms.ectmoodle.ae
Every student must have a TurnIt-In account. High “Similarity Index” will result in low
marks for the report.