Q3. Assume you are the manager of a financial institution. How would you structure your balance sheet using the maturity gap model if you expected interest rates to decrease? Choose the correct option  1. It would depend on the volatility of the market interest rates. 2. It would depend on the FI’s leverage level.   3. It would depend on the financial institution’s current profitability.   4. It would create a negative maturity gap.   5. It would create a positive maturity gap.

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Financial ratio analysis is conducted by three main groups of analysts: credit analysts, stock analysts, and managers. What is the primary emphasis of each group, and how would that emphasis affect the ratios on which they focus? Why would the inventory turnover ratio be more important for someone analyzing a grocery store chain than an insurance company? Over the past year, M.D. Ryngaert & Co. had an increase in its current ratio and a decline in its total asset’s turnover ratio. However, the company’s sales, cash, and equivalents, DSO, and fixed assets turnover ratio remained constant. What balance sheet accounts must have changed to produce the indicated changes? Profit margins and turnover ratios vary from one industry to another. What differences would you expect to find between the turnover ratios, profit margins, and DuPont equations for a grocery store and a steel company? How does inflation distort ratio analysis comparisons for one company over time (trend analysis) and…

“Suppose that you have been given a summer job at J limited, a company that manufactures sophisticated radar sets for commercial aircraft. The company, which is privately owned, has approached a bank for a loan to help finance its tremendous growth. The bank requires financial statements before approving such a loan. You have been asked to help prepare the financial statements and were given the following list of costs: The cost of the memory chips used in a radar set. Factory heating costs. Factory equipment maintenance costs. Training costs for new administrative employees. The cost of the solder that is used in assembling the radar sets. The travel costs of the company’s salespersons. Wages and salaries of factory security personnel. The cost of air-conditioning executive offices. Wages and salaries in the department that handles billing customers. Depreciation on the equipment in the fitness room used by factory workers. Telephone expenses incurred by factory management.…

True or false  1. Interest Rate Parity allows a company to lock in profits by borrowing in the low interest rate currency and investing in the high interest rate currency? 2. When calculating Days Sales Oustanding, it is important to include all credit and cash sales in the equation.

Discuss the Three main concepts of the time value of money : (1)The future value of the dollar. (2)The future value of an annuity. (3)The present value of an annuity, and give example of each of them,Thank you

When the Fed raises the required reserve ratio, then the:   a. ability of banks to make loans is restricted.   b. ability of banks to make loans is enhanced.   c. ability of banks to make loans is unaffected.   d. interest rate that banks pay to the Fed to borrow money is increased.   e. interest rate that banks pay to other banks to borrow money is increased.

Corporate bonds often have higher yields than government bonds to compensate investors for which additional risk?   A Default B ESG C Market D Liquidity