cash and treasury securities $100 million fed funds sold $100 million residential mortgages 1-4 family $200 million commercial loans $600 million note: the residential mortgages all have a loan-to-value of between 60 and 80 percent. if the bank has capital of $50 million, what is the leverage ratio using the standardized approach?
Answers
The leverage ratio using the standardized approach is $20 million.
To calculate the leverage ratio using the standardized approach, you need to add up the total on-balance sheet assets of the bank and divide it by the capital of the bank. On-balance sheet assets are those that are directly recorded on the bank's balance sheet and include cash, treasury securities, residential mortgages, and commercial loans.
In this case, the total on-balance sheet assets of the bank are $100 million + $100 million + $200 million + $600 million = $1,000 million.
The leverage ratio is calculated by dividing the total on-balance sheet assets by the capital of the bank, which is $50 million.
Therefore, the leverage ratio using the standardized approach is $1,000 million / $50 million = 20.
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Related Questions
In your own words, what is a labor union? And how do they use collective bargaining, strikes,
boycotts, and picketing to gain power for their workers? (
Answers
Ida Sidha Karya Company is a family-owned company located in the village of Gianyar on the island of Bali in Indonesia. The company produces a handcrafted Balinese musical instrument called a gamelan that is similar to a xylophone. The gamelans are sold for $850. Selected data for the company’s operations last year follow: Units in beginning inventory 0 Units produced 250 Units sold 225 Units in ending inventory
Answers
Answer:
Units in ending inventory is 25
Explanation:
The units in ending inventory can be computed using the cost of goods sold formula and rearranging it to make ending inventory the subject of the formula.
Cost of goods sold=beginning inventory+units produced-ending inventory
ending inventory=beginning inventory+units produced-Cost of goods sold
beginning inventory is 0
units produced is 250 units
unit sold is 225 units
ending inventory=0+250-225
ending inventory=25 units
Year to date, Company Y had earned a 10.8 percent return. During the same time period, Company R earned 12.20 percent and Company C earned −1.56 percent. If you have a portfolio made up of 45 percent Y, 35 percent R, and 20 percent C, what is your portfolio return?
Answers
Answer:
8.82%
Explanation:
The computation of the portfolio return is shown below:
Portfolio return = Respective returns ×Respective weights
= (10.8 × 0.45) + (12.2 × 0.35) + (-1.56 × 0.20)
= 8.82%
Hence, the portfolio return is 8.82%
We simply applied the above formula so that the portfolio return could come
And, the same is to be considered
J.P. Morgan got the company presidents of the Pennsylvania and New York Central to agree not to build duplicating lines. Tunnels abandoned by the Central later became part of_____ O the New York City subway system O the road through the Palisades in New Jersey O the Holland Tunnel O The Pennsylvania Turnpike
Answers
The tunnels abandoned by the New York Central became part of the New York City subway system.
J.P. Morgan, a prominent financier and banker, played a significant role in the consolidation of railroad companies in the late 19th and early 20th centuries. One of the agreements he brokered was between the presidents of the Pennsylvania Railroad and the New York Central Railroad to avoid building duplicating lines.
As a result of this agreement, the tunnels that were abandoned by the New York Central Railroad became part of the New York City subway system.
The New York City subway system, which began operation in 1904, is an extensive network of underground railways serving the five boroughs of New York City. It utilizes a number of tunnels and tracks, some of which were originally built for railroad purposes. The tunnels abandoned by the New York Central Railroad were repurposed and integrated into the subway system, contributing to its expansion and connectivity throughout the city.
Therefore, the tunnels abandoned by the New York Central became part of the New York City subway system as a result of the agreement facilitated by J.P. Morgan.
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The rent that your company pays is: A an implicit cost B) none of the answers E not an economic cost a variable cost a fixed cost
Answers
The rent that a company pays is an economic cost, specifically an explicit cost, and falls under the category of fixed costs.
The rent that a company pays can be considered an economic cost, specifically an explicit cost. Economic costs encompass both explicit and implicit costs. Explicit costs refer to the actual monetary expenses incurred by a business, such as rent payments, wages, utilities, and supplies. These costs are directly measurable and have a clear financial impact on the company's books.
The rent falls under the category of explicit costs as it involves a contractual agreement between the company and the landlord, entailing a periodic payment for the use of the property. This payment directly affects the company's cash flow and profitability. Rent is typically considered a fixed cost since it remains constant over a specific period, regardless of the company's level of production or sales.
On the other hand, implicit costs are the opportunity costs associated with using resources owned by the company itself. For example, if a company owns a building and uses it for its operations, the implicit cost would be the forgone rental income that could have been earned if the property were leased to another business.
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3. what is the purpose of performing an asset classification, asset assessment and risk assessment as part of the security strategy? take each item in turn describing what it is, how it is implemented and the purpose of it.
Answers
Asset classification is the process of locating and classifying assets according to their worth and relevance. Set protective activities in order of importance.
Assessing assets involves determining their present condition and any possible weaknesses. Determine and reduce security threats is the goal. Risk assessment is the process of analysing and assessing the probability and potential consequences of security risks. Create a security plan that is informed by risk. The practise of classifying assets into distinct groups according to their attributes, such as liquidity, risk, and return, is known as asset classification. By enabling them to make wise investment choices and keep an eye on their financial performance, this aids businesses in managing their assets more efficiently. Cash and cash equivalents, fixed income securities, stocks, commodities, real estate, and alternative investments are examples of common asset types.
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the impact of COVID 19 on employment relations on stakeholders
including staff, employers, organizations, and the business
environment
Answers
The impact of COVID-19 on employment relations in Pacific Island Countries has been significant for various stakeholders. Staff members faced job losses, employers made difficult decisions, and organizations suffered disruptions, especially in tourism. The business environment experienced reduced economic activities.
Staff members have faced challenges such as job losses, reduced working hours, and increased workloads due to restructuring and downsizing measures implemented by organizations. This has caused financial hardships and uncertainty for employees.
Employers have had to make difficult decisions to sustain their businesses, including laying off workers and implementing cost-cutting measures to sustain their businesses.
Organizations, especially in industries heavily affected by the pandemic such as tourism, have experienced severe disruptions and financial losses.
The business environment in Pacific Island Countries has been deeply impacted, with reduced economic activities, declining GDP, and increased reliance on government support.
The recovery process for stakeholders is expected to be gradual and dependent on the effectiveness of vaccination efforts, international travel restrictions, and the revival of key sectors such as tourism.
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What are some ways that you've seen department stores,online stores , online stores,or social media ads try to activate the amygdala and encourage you to buy products
Answers
I can provide some examples of how retailers and advertisers try to activate the amygdala and encourage consumers to make purchases.
One way is through the use of persuasive language that creates a sense of urgency or scarcity. Retailers may use phrases such as "limited time only" or "while supplies last" to create a sense of urgency, while online stores may use pop-ups or banners to display how many items are left in stock.
Another way is through the use of social proof, such as customer reviews or celebrity endorsements, to create a sense of popularity and desirability around a product. This can activate the amygdala by making consumers feel like they are missing out on something if they don't also make a purchase.
Additionally, personalization and targeted advertising can create excitement and anticipation for a product, while emotional messaging or imagery can create a positive association between the product and a particular feeling or lifestyle, such as happiness or luxury. These tactics can all activate the amygdala and encourage consumers to make an emotional connection with the product and ultimately make a purchase.
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I have an interview in a few days, at CherryBerry. Any tips/advice?
Answers
Answer:
be patient
be careful when giving sample cups
Explanation:
Answer:
- Practice having an interview. Answer basic, complex and frequently asked interview questions.
- Prepare questions to ask the interviewer.
Explanation:
What is the the effect on the foreign price with a combined domestic production subsidy and consumption tax applied by a small country on the same good at the same level?
Answers
Answer:
The effect these factor will have on Import is that it will lower Imports and decrease in imports = Increase in foreign prices
Explanation:
The effect on the foreign price when there is a combined domestic production subsidy and consumption tax applied on a good at the same level
i) when consumption tax is applied : The consumer price will increase by the amount of the tax and the demand for the good will decrease while the producer price will remain the same
ii) when production subsidy is applied : producer price will increase while the consumer price will remain unchanged
when they are both set at the same level ( i.e. consumption tax and production subsidy ) The producer price = consumer price
The effect these factors will have on Import is that it will lower Imports and decrease in imports = Increase in foreign prices
Roughneck Rigs, a large oil drilling company off the Gulf Coast, wants to expand its drilling area. When practicing ________, Roughneck Rigs will hear concerns from the local community, commission reports from expert oceanographers, and they will pay attention to how all of this will impact their bottom line.
Answers
The drilling company will need to commission reports from expert oceanographers to evaluate the environmental impact of their drilling activities.Expansion will require investment in new equipment and personnel, and the company will need to ensure that their investment will yield returns. Thus, they need to consider the potential profit margins and the cost of operation.When answering questions on the platform Brainly, it is important to always be factually accurate, professional, and friendly. Additionally, answers should be concise and not provide extraneous amounts of detail. Typos or irrelevant parts of the question should not be ignored. The following terms should be used in the answer: Roughneck Rigs, Gulf Coast, drilling area, local community, commission reports, expert oceanographers, impact, and bottom line.When practicing drilling expansion, Roughneck Rigs will hear concerns from the local community, commission reports from expert oceanographers, and they will pay attention to how all of this will impact their bottom line. To expand their drilling area, the company needs to consider several factors such as the cost of expansion, the impact of drilling activities on the environment, and the concerns of the local community. In conclusion, Roughneck Rigs needs to consider a variety of factors to expand their drilling area, including the impact on the environment, concerns of the local community, and potential profit margins.
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Ian is interested in purchasing bonds, but he is looking for bonds that aren’t related to the government. Which type of bonds would you suggest he purchase?
treasury bonds
municipal bonds
corporate bonds
general obligation bonds
Answers
Answer:
The principal of a Brady bond is backed by U.S. Treasury bonds that are deposited with the Federal ... A corporate bond has a 12% nominal yield. ... General Obligation Bond's credit risk:.
Explanation:
try it
Treasury bonds are the type of bonds would you suggest the purchase. Hence, option A is correct.
What is Treasury bonds?Until they complete, Treasury bonds provide a fixed rate of interest every six months. They are given out for 20 or 30 year contracts. Treasury Direct is where a person may purchase Treasury bonds from a financial institute. Additionally, a person can purchase them from a bank or broker.
Treasury bonds are among the safest assets a person can buy because they are supported by the full faith and credit of the United States Government. They often don't provide a very high return because there is so little chance that you will lose money.
Thus, option A is correct.
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Someone who creates attractive presentations of food dishes for magazines is called which of the following?
a. food stylist
b. research chef
c. personal chef
d. food preparation worker
Answers
Answer:A
Explanation:
When an ad says “best offer”, what does that mean?
A.The owner wants money than the car is worth
B.The owner may accept less money than the asking price
C.The owner wants no less than what the car is listed for
D.The owner has B.O. and is trying to get rid of the car
Answers
Answer:
B
Explanation:
An+annuity+pays+$50+per+year+for+14+years.+what+is+the+future+value+(fv)+of+this+annuity+at+the+end+of+those+14+years,+given+that+the+discount+rate+is+7%?
Answers
The future value (FV) of the annuity at the end of 14 years, given a discount rate of 7%, is approximately $11,935.70.
To calculate the future value (FV) of an annuity that pays $50 per year for 14 years, given a discount rate of 7%, we can use the formula for the future value of an ordinary annuity.
Given:
Payment = $50 per year
Number of years = 14
Discount rate = 7%
The formula for the future value of an ordinary annuity is:
FV = Payment × ((1 + r)^n - 1) / r
Where:
FV = Future Value
Payment = Payment per period
r = Interest rate per period
n = Number of periods
Applying this formula to the given information, we can calculate the future value of the annuity:
FV = $50 × ((1 + 0.07)^14 - 1) / 0.07
Using a calculator or spreadsheet, the calculation gives us:
FV ≈ $50 × (1.07^14 - 1) / 0.07
FV ≈ $50 × (2.672897 - 1) / 0.07
FV ≈ $50 × 1.672897 / 0.07
FV ≈ $835.4485 / 0.07
FV ≈ $11,935.70
Therefore, the future value (FV) of the annuity at the end of 14 years, given a discount rate of 7%, is approximately $11,935.70.
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most non-u.s. property markets are not ""markets"" in any meaningful sense of the word because of which of the following market features?
Answers
Regulatory Constraints: Non-U.S. property markets may be subject to complex and restrictive regulations that can hinder market efficiency and accessibility.
Regulations related to property ownership, foreign investment, land use, and planning can vary significantly across countries and create barriers to market participation. Cultural and Legal Factors: Cultural norms, legal systems, and property rights frameworks differ across countries, impacting the functioning of property markets. Different legal and cultural practices related to property ownership, financing, and transaction processes can introduce additional complexities and challenges for market participants.
Government Intervention: Governments in non-U.S. property markets may have significant involvement and influence in shaping market dynamics. Policies related to taxation, zoning, subsidies, or restrictions on foreign ownership can directly impact property market conditions and distort market forces.
It is important to note that while these market features may exist in many non-U.S. property markets, they do not apply universally, and there are exceptions. Some countries have well-established and transparent property markets with high liquidity and strong investor protections. The characteristics of property markets can vary widely across different regions and countries.
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if i get 16 brainlest ill give u guys 136 points
Answers
Answer:
you get brainlyist by answering questions. not making them
Answer:
ill give u brainlest tete
Explanation:
Daily Enterprises is purchasing a $11,000,000 machine. The machine will be depreciated using straight-line depreciation over its 6 year life and will have no salvage value. The machine will generate revenues of $10,000,000 per year along with costs of $3,000,000 per year.
If Daily's marginal tax rate is 40%, what will be the cash flow in each of years 1 to 6 (the cash flow will be the same each year)?
Answers
The cash flow in each of years 1 to 6 is $2,100,000.
Given: ,The cost of the machine = $11,000,000
Life of the machine = 6 years
Revenue generated per year = $10,000,000
Cost incurred per year = $3,000,000
Marginal tax rate = 40%
Depreciation method = Straight-line depreciation
The annual depreciation is calculated as follows:
Annual Depreciation = (Cost of the machine - Salvage Value) / Useful life
Annual Depreciation = (11,000,000 - 0) / 6= $1,833,333
Cash flow = Revenue - Expenses - Taxes - Depreciation
For each year, the cash flow is calculated as follows:
Year 1Revenue = $10,000,000
Expenses = $3,000,000
Depreciation = $1,833,333
Taxable income = $5,166,667
Taxes = 40% × $5,166,667 = $2,066,667
Cash flow = $10,000,000 - $3,000,000 - $2,066,667 - $1,833,333= $2,100,000
For years 2 to 6, the cash flow will be the same as in Year 1.
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Need help with graph please
18 points
Answers
Answer:
D point is the right answer according to the graph.
Examine the global political systems existing in a
business environment using your own examples. (Global
business and strategy) 24 marks
Answers
Global political systems in a business environment vary across countries and regions, and their impact on businesses can significantly influence global business and strategy.
Global political systems encompass a range of governance structures, policies, and regulations that affect businesses operating in different countries. For instance, democratic political systems, such as the United States, allow for open markets and competition, with regulations aimed at protecting consumers and promoting fair trade. On the other hand, countries like China have a socialist political system, where the government exerts significant control over the economy, including business operations, market access, and foreign investments.
The political systems within a business environment can have diverse impacts on global business and strategy. For example, political stability and the presence of strong institutions can provide a conducive environment for businesses to thrive and invest, attracting foreign direct investment. In contrast, political instability, corruption, or conflicts can pose significant challenges and risks for businesses, affecting their operations, supply chains, and profitability.
Additionally, political systems shape regulatory frameworks, trade policies, and taxation systems that can either facilitate or hinder international business transactions. Businesses need to consider factors such as legal systems, intellectual property protection, labor regulations, and environmental standards when formulating global strategies and making investment decisions.
In summary, global political systems in a business environment encompass various governance structures and policies that impact businesses on a global scale. Understanding the characteristics and implications of different political systems is crucial for businesses to navigate the challenges and opportunities presented by the global marketplace.
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shannon, who has a job and no dependents, has two credit cards she uses for food and entertainment. all card balances are close to the limit. what could be the best action for shannon to take next?
Answers
Shannon should focus on paying down her credit card balances to reduce utilization and avoid high-interest charges.
The best action for Shannon would be to prioritize paying down her credit card balances. By reducing the balances, she can lower her credit utilization ratio, which is the amount of credit she is currently using compared to her available credit. High credit utilization can negatively impact her credit score. Additionally, carrying high balances on credit cards can result in high-interest charges, which can lead to financial strain in the long run. Shannon should consider creating a budget and allocating extra funds toward paying off her credit cards as quickly as possible. She may need to cut back on discretionary spending for a while to free up more money for debt repayment. It's also important for her to avoid adding new charges to the cards until the balances are under control.
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PLZ HELP ASAP I HAVE 5 min before it due !!! this is for Econ
Answers
Answer:
increased
Explanation:
The graph shows the equilibrium price, which is an intersection of the demand and supply curves.
Letter A depicts the supply curve, while C is the supply curve. The arrow points to the equilibrium price or the prevailing market price.
Letter B shows the demand curve has shifted to the right(outwards). The shift in the demand curve has brought about a new intersection point between the old supply curve and the new demand curve. The new intersection represents the new price. As per the graph, the new price is at a higher point than the old price, meaning a price increase.
Someone who diversifies investments is more likely to
Answers
Answer:
offset their losses with gains.
Explanation:
Answer:
offset their losses with gains.
Explanation:
you are the ceo of and oil company, and you are considering the prospect of acquiring an oil property. if you invest in developing the property, the cash flow will start in the very first year, and the present value of the cash flows from the property is $70 million. however, the present value of the development costs required is $30 million. you do not have to start developing the property immediately, but the maximum you can wait is 6 years. if not developed after 6 years, your lease will expire. once developed, however, the property is yours until the reserve is depleted. interest rate is 8.24% per annum. you estimate that the volatility of crude oil prices is 40%. which of the following statements is incorrect? a. since your lease is expiring in 6 years if not developed, the real option to develop the property has 6 years to expiration b. the project has npv of 40 million c. the project's npv includes the value of the right to wait to develop the property d. you have enough information to calculate black scholes value of the real option
Answers
The incorrect statement is (d) you have enough information to calculate the black scholes value of the real option. To calculate the net present value (NPV) of the project, we need to subtract the present value of the development costs from the present value of the cash flow.
NPV = Present Value of Cash Flow - Present Value of Development Costs
NPV = $70 million - $30 million
NPV = $40 million
Therefore, statement (b) is correct.
For statement (a), the real option to develop the property does have 6 years to expiration, so it is correct.
For statement (c), the project's NPV includes the value of the right to wait to develop the property, so it is also correct.
For statement (d), we have information about the volatility of crude oil prices, but we do not have information on the exercise price or the time to expiration of the real option, so we cannot calculate the Black-Scholes value of the real option. Therefore, statement (d) is incorrect.
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What is a tagline?
(Principles Of Business Management)
Answers
Answer:
Explanation:
A tagline is a short phrase used in marketing campaigns of a business to sum up the value of a brand or its products and create a positive brand impression.
TRUE/FALSE. suppose there are economies of scale in the production of a specialized memory chip that is used in manufacturing microwaves. this suggests that the microwave industry is a decreasing-cost industry.
Answers
Answer:
true
Explanation:
true
A government adopts a more progressive rate on income taxes. According to
the table, which citizen is more likely to have higher taxes as a result of this
fiscal policy?
Citizens
Citizen A: A wealthy business owner
Citizen B: A poor farmer
A. Both citizens
B. Citizen B
C. Citizen A
D. Neither citizen
Answers
Answer:
C. Citizen A
Explanation:
Answer: option C.
Explanation:
citizen A
Mr. X and Y are having a discussion. Mr. X felt that business is based on selfish desires to gain higher and higher profits while Mr. Y felt that profit is essential for business. Can you support Mr. Y's case by providing strong points for his favour.
Answers
Answer: Ensure running cost is maintained to sustain business.
Explanation:
Resources to drive the business; probably the capital to start the business ain't much to cover for the production of more products or to cover for other expenses, here there would be a valid point for an increase in finances in some areas which won't be based on greed or selfishness. The running cost of a business matters, so the business doesn't crumble or there isn't enough return on investment.
What is one benefit of continuing your education after high school?
A. The ability to earn money immediately
B. Postponing responsibility for your actions
C. Increased earnings over the course of your career
D. There is no benefit to continuing your education.
Answers
Answer:
C
Explanation:
The most relevant one because university is the place to produce expert in many fields. Thus this will increase your earnings within your course of career.
Answer:
c
Explanation:
Which type of insurance includes the assumption of a contractual obligation to reimburse the insured against all or a portion of his fees, costs, and expenses related to or arising out of services performed by or under the supervision of an attorney who is an active member of the bar of any jurisdiction or jurisdictions of the United States?
Answers
Answer:
Legal Insurance
Explanation:
Legal insurance is a type of insurance that provides legal advice and also the costs related to a dispute regardless of whether the policy holder is a plaintiff or the defendant in the case.
In legal insurance , the insurance provider assumes the contractual obligation to reimburse the insured against all or portion of the legal fees arising out of services performed by or under the supervision of an attorney who is an active member of the bar of any jurisdiction of the United States.