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INDIVIDUAL- Assignment THREE Integrated Holding Company's year-end financial statements are given below: 2019 Integrated Holding Co KSCC Balance Sheet Assets (KWD Thousands) 2018 2017 2016 2015 Cash & Equivalents 1,788 4,770 3,845 1,422 1,441 Trade Receivable - Gross 16,058 15,868 16,968 13,785 10,654 Allowances for Doubtful Accounts - Trade 14,408) (2,605) (1.943) 1,121) (729) Other Receivables 4,266 1,846 771 1,718 1,488 Inventory 860 1,034 864 762 871 Prepaid Expenses 688 852 587 784 Total Current Assets 19,252 21.765 21,093 17,351 14,039 Property/Plant/Equipment, Total - Gross 140,371 137,708 129,281 125,169 103,893 Accumulated Depreciation, Total (67,145) (64,318) (57,754) (49,316) [41,059) Property/Plant/Equipment, Total - Net 73,226 73,390 70,527 75,853 62.835 Intangibles, Net 711 711 711 Total Assets 93,190 95,866 92,331 93.204 76,874 Liabilities (KWD Thousands) Accounts Payable 3,997 14,433 8,179 1,095 8,268 Accrued Expenses 2,370 3,995 2,807 1,259 1,125 Short Term Debt 594 496 2,110 13,105 15,003 Current Portion of Long-term Debt 5,560 2,395 3.797 Other Current Liabilities 504 345 160 808 493 Total Current Liabilities 13,024 21,664 17,052 16,267 24,889 Long Term Debt 10,001 3,241 12,020 16,679 6,074 Other Long-term Liabilities 1,567 1,447 4,093 8,807 773 Total Liabilities 24.593 26,352 33,165 41.771 31,753 Shareholders Equity (KWD Thousands) Common Stock 22,000 22,000 22,000 20.900 19,000 Additional Paid-in Capital 1,463 1,463 1,463 1,463 1,463 Retained Earnings 45,164 46,065 35,707 29,063 24,617 Other Equity items (30) (14) 7 40 Total Equity 68,597 69,514 59.166 51,433 45,120 Total Liabilities & Shareholders' Equity 93,190 95,866 92,331 93,204 76,874 Integrated Holding Co KSCC | Income Statement (KWD Thousands) 31-Dec-2019 31-Dec-2018 Revenue 29,595 41,961 Cost of Revenue (18,137) (21,878) Gross Profit 11,458 20,083 Selling/General/Admin. Expenses, Total (1,674) (3,748) Depreciation/Amortization (262) (199) Unusual Expense (Income) (715) 813 Impairment-Loss on Assets Held for Sale (2,093) (586) Loss (Gain) on Sale of Assets 1,378 1,398 Other Operating Income (Expense) 53 1,173 Operating Income 8,860 18,121 Interest Expense (34) Investment Loss (490) (347) Income Before Taxes 8,335 17,774 Income Taxes (437) (538) Net Income After Taxes 7,899 17,236 QUESTION 1) (14 pts) Using the data provided in the financial statements of Integrated Holding Co. a) Calculate the ratios in the table (5 pts) b) Comment on the table briefly (Do not tell only this increased this decreased, develop your paragraph considering the links between the accounts and their effects on ROE. Write a compact paragraph please.) (9 pts, 150 words) 2019 2018 2017 2016 2015 Traditional decomposition of ROE (For help see Table 5.2 in your textbook) Net profit margin (ROS) x Asset turnover = Return on assets (ROA) * Financial leverage (also known as Equity multiplier) = Return on equity (ROE) QUESTION 2) (20 pts) How much is Integrated Holding Co's Total Depreciation Expense for year 2019 and 2018? Why don't we see those total amounts on the income statement? (20 pts, 100 words) QUESTION 3 ) (30 pts) Using the data provided in the financial statements a) Prepare common size income statement for Integrated Holding Company (15 pts) b) Comment on your findings briefly. (Do not tell only this increased this decreased, develop your paragraph considering the links between the accounts and their effect on the profitability of the company. Write a compact paragraph please.) (15 pts, 200 words) Common-sized income statement and profitability ratios 31-Dec-2019 31-Dec-2018 Revenue Cost of Revenue Gross Profit Selling/General/Admin. Expenses, Total Depreciation/Amortization Unusual Expense (Income) Impairment Loss on-Assets Held for Sale Loss (Gain) on Sale of Assets Other Operating Income (Expense) Operating Income Interest Expense Investment Loss Income Before Taxes Income Taxes Net Income After Taxes QUESTION 4) (36 pts) Using the data provided in the financial statements a) Calculate the below liquidity ratios for each year. (9 pts) 2019 2018 2017 Current Ratio Quick Ratio Cash Ratio b) Evaluate Integrated Holding Company's liquidity position over years. (Do not tell only this increased this decreased, talk about the trends and put a conclusion regarding liquidity of the company. Write a compact paragraph please.) (18 pts, 150 words) c) Considering the trend from 2018 to 2019, would you provide some short-term loan to Integrated Holding Company on January 10, 2019 if they applied to the bank where you are working as credit manager? Why? (9 pts, 100 words). INDIVIDUAL- Assignment THREE Integrated Holding Company's year-end financial statements are given below: 2019 Integrated Holding Co KSCC Balance Sheet Assets (KWD Thousands) 2018 2017 2016 2015 Cash & Equivalents 1,788 4,770 3,845 1,422 1,441 Trade Receivable - Gross 16,058 15,868 16,968 13,785 10,654 Allowances for Doubtful Accounts - Trade 14,408) (2,605) (1.943) 1,121) (729) Other Receivables 4,266 1,846 771 1,718 1,488 Inventory 860 1,034 864 762 871 Prepaid Expenses 688 852 587 784 Total Current Assets 19,252 21.765 21,093 17,351 14,039 Property/Plant/Equipment, Total - Gross 140,371 137,708 129,281 125,169 103,893 Accumulated Depreciation, Total (67,145) (64,318) (57,754) (49,316) [41,059) Property/Plant/Equipment, Total - Net 73,226 73,390 70,527 75,853 62.835 Intangibles, Net 711 711 711 Total Assets 93,190 95,866 92,331 93.204 76,874 Liabilities (KWD Thousands) Accounts Payable 3,997 14,433 8,179 1,095 8,268 Accrued Expenses 2,370 3,995 2,807 1,259 1,125 Short Term Debt 594 496 2,110 13,105 15,003 Current Portion of Long-term Debt 5,560 2,395 3.797 Other Current Liabilities 504 345 160 808 493 Total Current Liabilities 13,024 21,664 17,052 16,267 24,889 Long Term Debt 10,001 3,241 12,020 16,679 6,074 Other Long-term Liabilities 1,567 1,447 4,093 8,807 773 Total Liabilities 24.593 26,352 33,165 41.771 31,753 Shareholders Equity (KWD Thousands) Common Stock 22,000 22,000 22,000 20.900 19,000 Additional Paid-in Capital 1,463 1,463 1,463 1,463 1,463 Retained Earnings 45,164 46,065 35,707 29,063 24,617 Other Equity items (30) (14) 7 40 Total Equity 68,597 69,514 59.166 51,433 45,120 Total Liabilities & Shareholders' Equity 93,190 95,866 92,331 93,204 76,874 Integrated Holding Co KSCC | Income Statement (KWD Thousands) 31-Dec-2019 31-Dec-2018 Revenue 29,595 41,961 Cost of Revenue (18,137) (21,878) Gross Profit 11,458 20,083 Selling/General/Admin. Expenses, Total (1,674) (3,748) Depreciation/Amortization (262) (199) Unusual Expense (Income) (715) 813 Impairment-Loss on Assets Held for Sale (2,093) (586) Loss (Gain) on Sale of Assets 1,378 1,398 Other Operating Income (Expense) 53 1,173 Operating Income 8,860 18,121 Interest Expense (34) Investment Loss (490) (347) Income Before Taxes 8,335 17,774 Income Taxes (437) (538) Net Income After Taxes 7,899 17,236 QUESTION 1) (14 pts) Using the data provided in the financial statements of Integrated Holding Co. a) Calculate the ratios in the table (5 pts) b) Comment on the table briefly (Do not tell only this increased this decreased, develop your paragraph considering the links between the accounts and their effects on ROE. Write a compact paragraph please.) (9 pts, 150 words) 2019 2018 2017 2016 2015 Traditional decomposition of ROE (For help see Table 5.2 in your textbook) Net profit margin (ROS) x Asset turnover = Return on assets (ROA) * Financial leverage (also known as Equity multiplier) = Return on equity (ROE) QUESTION 2) (20 pts) How much is Integrated Holding Co's Total Depreciation Expense for year 2019 and 2018? Why don't we see those total amounts on the income statement? (20 pts, 100 words) QUESTION 3 ) (30 pts) Using the data provided in the financial statements a) Prepare common size income statement for Integrated Holding Company (15 pts) b) Comment on your findings briefly. (Do not tell only this increased this decreased, develop your paragraph considering the links between the accounts and their effect on the profitability of the company. Write a compact paragraph please.) (15 pts, 200 words) Common-sized income statement and profitability ratios 31-Dec-2019 31-Dec-2018 Revenue Cost of Revenue Gross Profit Selling/General/Admin. Expenses, Total Depreciation/Amortization Unusual Expense (Income) Impairment Loss on-Assets Held for Sale Loss (Gain) on Sale of Assets Other Operating Income (Expense) Operating Income Interest Expense Investment Loss Income Before Taxes Income Taxes Net Income After Taxes QUESTION 4) (36 pts) Using the data provided in the financial statements a) Calculate the below liquidity ratios for each year. (9 pts) 2019 2018 2017 Current Ratio Quick Ratio Cash Ratio b) Evaluate Integrated Holding Company's liquidity position over years. (Do not tell only this increased this decreased, talk about the trends and put a conclusion regarding liquidity of the company. Write a compact paragraph please.) (18 pts, 150 words) c) Considering the trend from 2018 to 2019, would you provide some short-term loan to Integrated Holding Company on January 10, 2019 if they applied to the bank where you are working as credit manager? Why? (9 pts, 100 words)