商業(yè)銀行管理課后習(xí)題答案problems5(編輯修改稿)
2025-07-23 14:35 本頁面
【文章內(nèi)容簡(jiǎn)介】 es remain unchanged (Therefore, equity remains unchanged)Solution: Net Ine after Tax = $ million million $ million = $ ROE = $ million = = % $181 millionTherefore, change in ROE = % % = % = 10% (ROE decreases by 10%) % % Alternative Scenario 4:Given: Assets and liabilities decrease by 10%。 therefore, Equity capital decreases by 10%,Operating revenues, operating expenses, and taxes remain unchanged.Solution: Total assets = $ billion * = $ billion Total liabilities = $989 million * =$ million Equity capital = $ billion $ million = $ millionROE = = or % 58. Suppose a bank is projected to achieve a percent ROA during the ing year. What must its ratio of total assets to total equity capital be if it is to achieve a 12percent ROE goal?Given: ROA = % and target ROE = 12%Solution: ROE = ROA * (Total Assets/Equity Capital)Total Assets=ROE=12%= xEquity CapitalROA%If ROA unexpectedly falls to % and target ROE remains 12%:Solution:12%=.75%*Total AssetsEquity CapitalTotal Assets=12%=16 xEquity Capital.75%Alternative Scenario 1:Given: ROA = % and target ROE = 12%Solution: Total Assets = 12% = 8x Equity Capital %Alternative Scenario 2:Given: Bank39。s ROA unexpectedly declines to %Solution: Total Assets = 12% = 16 x (The same as part 2 of original problem) Total Equity .75%59. The following information is given for Blythe County National Bank:Net Ine after Taxes = $16 millionTotal Operating Revenues = $215 millionTotal Assets = $1,250 millionTotal Equity Capital Accounts = $111 millionSolve for the bank39。s net profit margin, asset utilization ration, equity multiplier, and ROE.Solutions:a.Net Profit Margin=Ine After Taxes=$16 mill.= or %Total Operating Revenue$215 mill. b.Asset Utilization=Total Operating Revenues=$215 mill.= or %Total Assets$1250 mill.c.Equity Multiplier=Total Assets=$1250 mill.= timesTotal Equity Capital$111 mill.d.ROE=Net Ine After Taxes=$16 mill.= or %Total Equity Capital$111 mill.Alternative Scenario:Given:Total Liabilities= $1,475 millionEquity Capital= $140 millionTotal Noninterest Ine= $88 millionTotal Interest Ine= $155 millionAfterTax Net Ine= $24 millionRecalculate Blythe County39。s ROE, net profit margin, asset utilization, and equity multiplier.Solutions:a.Net Profit Margin=After Tax Net IneTotal interest Ine + Total Noninterest Ine =$24 mill.=$24 mill.= or %$155 mill. + $88 mill.$243 mill. b.Asset Utilization=Total Interest Ine + Total Noninterest IneTotal Liabilities + Equity Capital =$155 mill. + $88 mill.=$243 mill.= or %$1,475 mill. + $140 mill.$1,615 mill.c.Equity Multiplier=Total Liabilities + Equity CapitalEquity Capital =$1,475 mill. + $140 mill.=$1,615 mill.= x$140 mill.$140 mill.d.ROE=After Tax Net Ine=$24 mill.= or %Equity Capital$140 mill.510. Lochiel Commonwealth Bank and Trust Company has experienced the following trends over the past five years (all figures in millions of dollars): Given: (Figures in millions of dollars)YearNet IneAfterTaxTotal OperatingRevenuesTotalAssetsTotal EquityCapital129318238220347422450825559928YearProfitMarginAssetUtilizationEquityMultiplierROAROE1%%%2%%%3%%%4%%%5%%%If we look at the entire 5year period, Lochiel39。s profit margin has remained relatively constant. However, fr
醫(yī)療健康相關(guān)推薦
鄂ICP備17016276號(hào)-1