A bank analyzes the financial statements of company MNS (table below) to decide whether to grant it a loan. The minimum threshold bank grant the loan? (Calculate the Z score and comment). ASSETS Value (USD) Cash 50 LIABILITIES Long-term debt Value (USD) 500 Working capital 400 Bonds 200 Investments 200 Other liabilities 100 Durable capital 500 Retained earnings 100 Land 150 Net worth 400 Total Assets 1300 Total 1300 REVENUE Value (USD) EXPENSES Value (USD) Sales 700 Cost of goods sold 350 Other revenue 200 Wages 250 Capital gains 100 Other expenses 100 Total revenue 1000 Total expenses 700 Net income (pre- 300 tax) T1-Working Capital/Total Assets T2-Retained Earnings/Total Assets T3 EBIT/Total Assets T4 Market Value of Equity/Total Liabilities TS-Sales/Total Assets Z score 1.372 times T1 +1.411 times T2 +3.1 times T3+0.784 times T4+0.849 times TS