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Chapter 2+3-Problems

Fianance

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50 views4 pages

Chapter 2+3-Problems

Fianance

Uploaded by

nguyenquangsang0946
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as DOCX, PDF, TXT or read online on Scribd
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Ex1: You know the following information about the National Bank:

Gross loans $500 Investment securities 180


Miscellaneous assets 80 Net premises 50
Deposit 650 Surplus 7
Total equity 100 ALL 50
Common stock par 10 Total assets 800
Non-deposit borrowings 70 Gross premises 70

Calculating:
1. Total liabilities?
2. Net loans?
3. Undevided profits?
4. Depreciation?

Ex2: If you know the following figures:

Total interest income $140 Provision for loan losses $5


Total interest expenses 100 Income taxes 4
Increases in bank’s undivided
Total noninterest income 75 profits 6
Total noninterest expenses 90

Please calculate these items:


1. Net interest income
2. Net noninterest income
3. Pretax net operating income
4. Net income after taxes
5. Total operating revenues
6. Total operating expenses
7. Dividends paid to common
stockholders
Ex3:
Report of Income
Total interest income $200 Total noninterest expense 125
Total interest expense ????? Salaries and employee benefits ?????
Premises and equipment
Net interest income 60 expense 10
Provision for loan and lease losses ????? Additional noninterest expense 20
Total noninterest income 100 Pretax net operating income 15
Fiduciary activities 20 Securities gains (losses) 5
Service charges on deposit
accounts 25 Applicable income taxes 3
Trading account gains and fees ????? Income before extraordinary items ?????
Additional noninterest income 30 Extraordinary gains—net 2
Net income
Ex4:
You were informed that a bank’s latest income and expense statement contained the
following figures (in $ millions):

Net interest income $800


Net noninterest income (500)
Increases in bank’s undivided
profits 200
Suppose you also were told that the bank’s total interest income is twice as large as its
total interest expense and its noninterest income is three-fourths of its noninterest
expense. Imagine that its provision for loan losses equals 3 percent of its total interest
income, while its taxes generally amount to 30 percent of its net income before income
taxes. Calculate the following items for this bank’s income and expense statement:
1. Total interest income and expense
2. Total noninterest income and expense
3. Provision for loan losses
4. Net Income before taxes
5. Dividends paid to common stockholders
Ex4: Mr. Hoang Minh has a demand deposit with transactions as following at Vietinbank
 Opening balance on July 1st: 250.000.000 VND.
 Demand deposit rate: 0.2%/month
Credit (VND) Debit (VND)
06/07/2023 25.300.000
15/07/2023 155.000.000
25/07/2023 10.500.000
05/08/2023 165.800.000 45.500.000
18/08/2023 450.000.000
28/08/2023 70.000.000
08/09/2023 150.000.000
15/09/2023 75.000.000
30/08/2023 180.050.000
Request:
Calculate the balance of demand deposit in the end of August.
Note: The bank calculates the interest of demand deposit at the end each month.

Ex5: Hoang Nam company has a demand deposit with transactions as following at ACB
 Opening balance at the first quarter: 150.000.000 VND.
 Demand deposit rate: 1.5%/year
Date Credit (VND) Debit (VND)
05/01/2022 120.500.000
10/01/2022 1.500.000 82.000.000
20/01/2022 50.000.000
05/02/2022 35.000.000
10/02/2022 295.000.000
25/02/2022 55.500.000 120.000.000
01/03/2022 100.000.000
18/03/2022 80.000.000 20.000.000
26/03/2022 85.000.000
Request:
Calculate the balance of demand deposit on March 30th of this company.
Note: The bank calculates the interest of demand deposit at the 30th of each month.

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