This is what i found Answer 1
Risk-Adjusted Asset Base
The calculation of the risk-adjusted asset base for a bank is as below-
Risk-adjusted asset = (Cash × 0%) + (municipal security × 20%) + (home mortgages × 50%) + (Commercial loans × 100%)
= (20 × 0%) + (100 × 20%) + (500 × 50%) + (300$ × 100%)
= 0 + 20 + 250 + 300
= $570 million
The outcome shows that the risk-adjusted or weighted asset based for the bank will be $570 million.
Tier1 and Tier 2 Capital:
If the bank has no off-balance sheet activity then minimum required level of Tier 1 and Tier 2 capital will be-
Tier 1 capital = Risk-weighted asset × 4%
= $570 × 4%
= $22.8 million
Tier 2 capital = Maximum of 1.25% of risk-weighted asset
= $570 × 1.25%
= $7.125 million
Total capital = $22.8 + $7.125 => $29.925 million
The outcomes indicate that the minimum required level of Tier1 and Tier
2 capital is $22.8 million and $7.125 million for the bank.
Bank Comply with Capital Requirements:
If the bank has Tier 1 capital of $25 million and Tier 2 capital of $15
million then it will comply with its capital requirements of $29.925
million. It is because in this situation, total capital of bank is $37
million that is higher than the above calculated capital of $29.925
million.
Impact of off-Balance Sheet Activities on Capital Requirements
The addition of off-balance sheet activities might increase the capital
requirement of the bank. It is because an off-balance sheet items is a
financial contract that can create credit loss for the company due to
credit risk. So, in case of adding off-balance sheet activities, a bank
will require more capital to cover credit loss. Along with this, it can
also increase the minimum ratio of capital to risk-weighted assets from
8% and in that situation; the bank will need more capital (Carmichael
& Graham, 2012).
Answer 2
Probability of Repayment and Risk Premium
A).
If the rate on a one-year treasury bill is 6% and in case of loan
default, no payments are expected on financial securities then the
probability of repayment and the risk premium on 1 year AA-rated loan
yielding 9 percent will be-
Probability of Repayment:
The following formula can be useful to determine probability of repayment.
P = (1 + I) / (1 + k)
Where,
I = 6%
k = 9%
Then, ...you have $2.19 left :D
Because the services are intangible, it is often difficult for the marketers to convey benefits to consumers.
<h3>
Who is a marketer?</h3>
A marketer is someone who advertises the goods and services of an organization. They identify the tactics that can increase revenue and sales while making sure that these tactics are in line with both customer and market need. Now that we are aware of what a marketer is, let's examine their function. Let's first examine the function that a marketer does before delving into the importance of marketing for firms. The financial success of any firm can be determined by the marketer's ability to sell. They make sure that the goods and services are promoted effectively enough to sustain demand. Long-term brand equity and improved consumer experiences are enhanced by imaginative and creative marketers.
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Answer:
The account balance after 4 years will be $2,420.
Explanation:
First we need to add Bob and Judy's amount to find the total amount that will be deposited. (1260+975)=2,235.
Now we will break up the annual interest into monthly interest because it will be compounded monthly. 2/12=0.166.
Then we will break up the 4 years into months also because the interest is compounded monthly. 4*12=48
Now we use the formula for compound interest
Final amount = Principal*(1+R)^N
Principal = 2,235
R= 0.166% or 0.00166
N= 48
We put these values into our formula
2,235*(1+0.00166)^48
=2,420
Dr. Regan was hired to help retain employees by the Siri corporation without losing money and expectations. He was the one who suggested that employees could decorate their work spaces and this would help employees feel more comfortable where they have to work 8 or more hours per day. This then helped the company by people not calling in and less people quit their jobs. Dr. Regan was most likely an industrial and organizational psychologist. Many companies hires these types of psychologists to help their employees with stress at work and to put employees at ease.
Answer:
A
Explanation:
The list contains more weaknesses than strengths
The list of weaknesses are:
Excess manufacturing capacity relative to market; If you are producing more than you are selling then its a weakness
Large inventories; that dont sell its a weakness
Lack of management depth; means that management does not have a proper foundation
Management turnover; if you keep changing management it will affect the company as skilled workers will be leaving
The list of strengths are:
Cost advantages; cost advantage against your competitors is an added strength
Market leadership; having a large market share is equally an advantage