FNCE 5333 FALL 2023 EXAM
Assets	$		Income statement	$
Marketable securities	471,120		Secs interest income	1,938
Investment Securities	398,766		Investment Securities	1,888
Trading Securities	72,354		Trading Securities	50
Customer loans	2,826,657		Loan interest income	88,809
Corporate	787,600		Corporate	16,213
SME	629,770		SME	14,098
Credit cards	171,643		Credit cards	31,775
Mortgages	1,237,644		Mortgages	26,723
Gold mine in Central Asia	155,346		Interest expense	(35,115)
Assets Total	3,453,123		Funds borrowed	(14,350)
			Other wholesale debt	(12,992)
			Deposits	(7,773)
Liabilities and equity	$		Fee income	35,523
Borrowed from banks	1,055,890		Corporate	6,485
Other wholesale funding	737,644		SME	5,639
Deposits	1,161,234		Credit cards	12,710
Other liabilities	153,056		Mortgages	10,689
Shareholders Equity	345,299		NTI	5,788
Liabilities and equity total	3,453,123		OPEX	(62,135)
			Corporate	(3,031)
Corporate tax rate	20%		SME	(15,155)
Dividend tax rate	10%		Credit cards	(30,310)
			Mortgages	(13,639)
			CoR	(4,004)
			Corporate	(731)
			SME	(725)
			Credit cards	(1,545)
			Mortgages	(1,002)
			Dividend income from the Gold Mine	17,880

Questions

1. Calculate and report for the Group

1.1. Bank revenues ($)

1.2. Net income ($)

1.3. Overhead ratio (%)

1.4. Return on Equity (%)

1.5. Return on Non-core Equity (%)

2. Calculate and report for the credit cards business

2.1. Bank revenues ($)

2.2. Net income (%)

2.3. Return on Assets (%)

2.4. Loan yield (%)