answer the four in yellow L17 to L20

answer the four in yellow L17 to L20

B c D E J L 7 8 Credits 9 10 3.0 3.0 11 12 3.0 13 3.0 14 Questions Answer 1. Construct your P&L first. Next, calculate and report ($) 1.1. Non interest income 28,569.95 1.2. Bank revenues 89,365.54 1.3. Earnings before taxes 56,032.62 1.4. Net income 44,826.10 2. Calculate and report (%) 2.1. Net interest margin 4.249 2.2. Non interest margin 2.31% 2.3. Yield on HTM securities 2.4. Enterprise loan yield 2.5. Return on equity 3. What would be your best guess for core banking equity ($) 15 16 17 Balance sheet Assets Overnight 17,500.00 Marketable securities 340,245.00 HTM 252,679.00 AFS 87,566.00 Customer loans 897,370.00 Enterprise 567,600.00 Consumer 329,770.00 Equity participations 47,880.00 FinTech 34,980.00 Noncore 12,900.00 Other assets 78,900.00 Assets Total 1,381,895.00 Liabilities and equity Interest bearing liabilities Overnight 17,500.00 Bonds issued 97,890.00 Syndicated loans 327,777.00 Deposits 749,234.00 Other liabilities 53,199.00 Shareholders Equity 136,295.00 Liabilities and equity total 1,381,895.00 3.0 3.0 3.0 3.0 3.0 18 19 20 21 3.0 G H Income statement data points Overnight position Interest income Securities business Interest income on HTM 7,580.37 Interest income on AFS 1,751.32 Trading gains Operating expense (340.25) Risk cost Enterprise loan assets Interest income 28,380.00 Noninterest income 17,028.00 Operating expense (11,352.00) Risk cost (1,986.60) Consumer loan assets Interest income 23,083.90 Noninterest income 11,541.95 Operating expense (9,893.10) Risk cost (1,483.97) Breakdown of interest expense Bonds issued (1,231.00) Syndicated loans (5,692.00) Deposits (1,354.00) Equity participations FinTech dividend income Noncore dividend income Operating expense Risk cost Tax rates Corporate income tax 20% Taxes on gains and dividends 15% 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37 B c D E J L 7 8 Credits 9 10 3.0 3.0 11 12 3.0 13 3.0 14 Questions Answer 1. Construct your P&L first. Next, calculate and report ($) 1.1. Non interest income 28,569.95 1.2. Bank revenues 89,365.54 1.3. Earnings before taxes 56,032.62 1.4. Net income 44,826.10 2. Calculate and report (%) 2.1. Net interest margin 4.249 2.2. Non interest margin 2.31% 2.3. Yield on HTM securities 2.4. Enterprise loan yield 2.5. Return on equity 3. What would be your best guess for core banking equity ($) 15 16 17 Balance sheet Assets Overnight 17,500.00 Marketable securities 340,245.00 HTM 252,679.00 AFS 87,566.00 Customer loans 897,370.00 Enterprise 567,600.00 Consumer 329,770.00 Equity participations 47,880.00 FinTech 34,980.00 Noncore 12,900.00 Other assets 78,900.00 Assets Total 1,381,895.00 Liabilities and equity Interest bearing liabilities Overnight 17,500.00 Bonds issued 97,890.00 Syndicated loans 327,777.00 Deposits 749,234.00 Other liabilities 53,199.00 Shareholders Equity 136,295.00 Liabilities and equity total 1,381,895.00 3.0 3.0 3.0 3.0 3.0 18 19 20 21 3.0 G H Income statement data points Overnight position Interest income Securities business Interest income on HTM 7,580.37 Interest income on AFS 1,751.32 Trading gains Operating expense (340.25) Risk cost Enterprise loan assets Interest income 28,380.00 Noninterest income 17,028.00 Operating expense (11,352.00) Risk cost (1,986.60) Consumer loan assets Interest income 23,083.90 Noninterest income 11,541.95 Operating expense (9,893.10) Risk cost (1,483.97) Breakdown of interest expense Bonds issued (1,231.00) Syndicated loans (5,692.00) Deposits (1,354.00) Equity participations FinTech dividend income Noncore dividend income Operating expense Risk cost Tax rates Corporate income tax 20% Taxes on gains and dividends 15% 22 23 24 25 26 27 28 29 30 31 32 33 34 35 36 37