Significant impact on its financial statement.

When making a financial analysis on a bank, the type of business it conducts need to be considered. Specialization can lead a bank to operate in different practices and have a varied structure of their balance sheet. If the structure and composition of the bank is not to be considered, financial statement analysis will provide misleading information. This report will investigate the implications of bank specialization on its financial statement analysis.
Specialization
Larger banks specialize in customer deposits due to the larger availability of liquidity present as a result of economies of scale and synergy; small banks tend to specialize in customer loans. To fund these operations, small banks have a great level of liabilities relativeshow more contentWhen comparing financial analysis of varying banks this can lead to asymmetric information7. Empirical studies show that specialization does not systematically carry across different sized banks, however the size of a bank is an important factor.
Banks with subsidiaries tend to specialize in a unique way, the parent bank tends to specialize in numerous areas, their subsidiaries are structured to specialize in certain fields. For instance in Luxemburg, parent banks tend to specialize in interbank lending whilst their subsidiaries have seen interbank activities falling and an increase in customer loans. Facts such as this need to be considered for financial analysis.8
Size
The size of the bank has a significant impact on its financial statement. Large banks have comparatively easy access to purchased funds and capital markets compared to small ones9. Large banks usually use more purchased
6 Banque Centrale du Luxembourg (2011) Changes in bank specialisation, Available at: http://www.bcl.lu/fr/publications/cahiers_etudes/67/BCLWP067.pdf (Accessed: 15th november 2015).
 
7 Center for Monetary and Financial Studies (2014) Comparative Advantadge and Specialisation in Bank Landing, Available at: http://www.cemfi.es/ftp/pdf/papers/wshop/specialization_102214.pdf (Accessed: 14th november 2015).
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