masha-letlhogonolo/sa-bank-financial-ratio-analysis

Financial ratio analysis of South African banks using Python (Pandas,Matplotlib) to evaluate profitability, leverage and performance trends. # Bank Financial Analysis This project analyses financial data from three South African banks: -FSR -NED -SBK ## Objective To compare profitability and financial performance across banks using Python. ## What I did: -Loaded and cleaned financial statement data -Calculated financial ratios(Profit Margin, Debt ratio, ROA, Revenue Growth) -Compared bank performance over time -Visualized trends using Matplotlib ## Tools: -Python -Pandas -Matplotlib ## Key insights: -Firstrand (FSR) demonstrates the strongest overall financial performance, with the highest profitability (profit margin and ROA) and the lowest reliance on debt. -Standard Bank (SBK) shows solid performance, ranking second in profitability while achieving the highest revenue growth among the three banks. -Nedbank (NED) lags behind in profitability and efficiency, with the lowest profit margins and returns, and relatively higher leverage. -The results highlight a trade-off between profitability, growth, and financial risk across the banks.