need #3 fully done

Primetex (BD) Limited Income statement December 31, 2018 BDT. (Million) 1.050 1,850 800 70 120 40 100 330 470 80 390 120 270 10 270 Sales Revenue Less: COGS Gross Profit Less: Operating expenses Selling expenses General and administrative expenses Lease expenses Depreciation expense Total operating expense EBIT Less Interest expense Less: Tax rate (40%) Net profit after Tax Less: Preferred stock dividend Earnings available for common stockholders Total dividend paid 130 million BALANCE SHEET BDT) Fixed Assets: Plant and Equipment Land and building Furniture and vehicles Investment - Long Term Less: Accumulated Depreciation Net Fixed assets Current Assets: Cash Inventories Account Receivable Advances, Deposits and Prepayments Investment in Marketable Securities December 17 December 18(Million 1450 820 350 50 1300 1370 300 600 500 40 250 1570 870 380 30 1400 1450 450 750 470 50 350 1690 3060 2070 3520 100 100 Total current assets TOTAL ASSETS SHAREHOLDERS' EQUITY AND LIABILITIES: Shareholders' Equity: Preferred stock Common stock: Tk. 10 par 100,000 shares Share Premium Retained Earnings Long-term Liabilities: Long Term Loans Current Liabilities: Short Term Bank Loans Accounts payable Notes Payable Accruals TOTAL SHAREHOLDERS' EQUITY AND LIABILITIES (BDT) 1000 400 100 600 1000 500 120 700 275 200 450 300 210 150 3060 190 185 3 520 Question: 3 (2+4+4) a. The UCBL offers 8.25% interest, compounded semiannually on term borrowing. The IBBL Offers 8.10% interest, compounded quarterly. Based on effective interest rate, in which bank would you prefer to borrow fund and justify your findings. b. Differentiate between APR (annual percentage rate) and effective annual rate (EAR) with examples. Differentiate between mixed stream and perpetuity cash flows with example. c. Ishraf got his driving license one week back, and he wants to buy a new car for 12,50000Tk. He has lump sum amount of 375000Tk, today to invest. Ishraf is a risk averse investor and he has following investment options after approaching different banks. i. BRAC Bank offers 12 years term deposit compounded semi-annually. ii. MTB Bank offer 10 years term deposit compounded quarterly. iii. Padma Bank offers 9 years term deposit compounded monthly. Calculate rate of return for Ishraf to accumulate enough money to buy a car in each of the three cases? Justify his decision