Executive Summary <Tab/>The purpose of this report is to provide an analysis of the profitability of ANZ Bank and RACV using ROE Model, then compare the profitability of both firms which used ratios of ROE, leverage multiplier, asset utilization, net margin and net interest margin, and give some recommendations for the firm that is underperforming. <Tab/>The ANZ Bank is an Authorised Deposit-Taking Institution while RACV …showed first 75 words of 5142 total…

…showed last 75 words of 5142 total…be partnered or take over such as checking the firms' statement of performance and statement of position to avoid continuous operating losses. *<Tab/>Hiring professional consultant to solve the under performing performance. If RACV decides to hire someone professional consultants, then it may need to cut cost of employees to maintain the efficiency of performance. And, as the RACV employs different background of workers it needs to restructure its office management.