Give an example of an off-balance sheet activity for a commercial bank, along with its benefits and risks.

chp. 20 (bank's performance)

1- Banks with relatively ________ ROAs often incur ________ noninterest expenses.

2- Market interest rate movements are least likely to affect which of the following income statement items?

Some new production machinery has a first cost of $100,000 and a useful like of 10 years. Its estimated operating and maintenance costs are $10,000 the first year, which will increase annually by $4000. The asset’s before-tax market value will be $50,000 at the end of the first year and then will decrease by $5000 annually. This property is a 7-year MACRS property. The company uses a 6% after tax MARR and is subject to a combined federal/state tax rate of 40%. Calculate the after tax cash flows. The spreadsheet also needs to be able to use WACC in place of a given interest rate. The spreadsheet needs to accommodate different tax rates, and must include ATCF for O&M and Depreciation and ATCFs of disposal if the equipment is sold in each of the 10 years. Combine these to Identify the optimal life.

Book: Operations and Supply Chain Management Jacobs & Chase 14e

19. Describe the Six Sigma Philosophy, DPMO, and DMAIC and explain the main difference between it and Lean Philosophy. (300 words approximately)

Environmental Planning and Protection Organization, in year 2000, published a news, about defective device which was manufactured by one of the leading Auto Brand, Bugatti. The news exposed that many models of these cars, which were being sold in Europe, had a defective device installed. This device could change a car’s performance to improve its emissions results when being tested. After the investigation, the Bugatti officials have admitted for cheating in the test. Bugatti had to pay a hefty amount for damages as a result of the scandal, notably a $16 billion fine from the Environmental Planning and Protection Organization (EPPO). After being exposed globally, their share value dropped by 30 percent, wiping out over $33 billion in shareholder value. Bugatti’s management was faced with a series of criticism. The different publications expressed the view that Bugatti’s autocratic leadership style has long been out of date and that the organisation was missing effective corporate governance.

a. Bugatti is a high profile multinational auto industry. They have a rich legacy of top corporate leadership and highly skilled employees. They are equipped with modern technology, quality research, potential strategy, business development, and effective internal control system. What do you suggest, should be company’s vision and strategy to avoid huge fine, criticism, and defamation?

b. What do you think, if they would have followed conceptual framework, they would have not paid that much. Which conceptual framework was most related to this case study and why? (5 Mark

In an attempt to improve budgeting, the controller for Meliore, Inc., has developed a flexible budget for overhead costs. Meliore, Inc., makes two types of products, the standard model and the deluxe model. Meliore expects to produce 300,000 units of the standard model and 120,000 units of the deluxe model during the coming year. The standard model requires 0.05 direct labor hour per unit, and the deluxe model requires 0.08. The controller has developed the following cost formulas for each of the four overhead items:

Cost Formula:

Maintenance $34,500+ $1.25 DLH

Power $0.50 DLH

Indirect labor $68,400+$2.30 DLH

Rent $31,500

1. Prepare an overhead budget for the expected activity level for the coming year.

2. Prepare an overhead budget that reflects production that is 10 percent higher than expected (for both products) and a budget for production that is 20 percent lower than expected.

Notes:

Can you please show me step-by-step (all calculations necessary) as to how to arrive at the correct answer?

Please provide your answer on spreadsheet as it is diffcult to read handwriting.

In an OB context what is meant by "employee diversity"? Why is a good understanding important to an organization?

Loretta Scholten bought a home for $210,000 with a down payment of $30,000. Her rate of interest is 6% for 35 years. Calculate the total cost of interest for Loretta Scholten. (Round your answer to the nearest cent.)

Use audience insights to study the target audience of DoorDash. What valuable information do you find? How can you leverage that information?

State the advantages and disadvantages of using a virtual private network

1)Which of the following describes a reason that firms may operate more efficiently than individual producers?

Limited liability increases a firm's access to credit

Transaction costs of production through the market exchange is greater than within the firm

All of these answers

2)

The behavior of potential buyers is represented by ___________ and the behavior of potential sellers is represented by __________.

the individual utility function; the production function

the individual utility function; the market supply function

the market demand function; the production function

the market demand function; the market supply function

On March 31^st, 2020, you take delivery of a $100,000 T-bond that matures on October 31st, 2030. The coupon rate on the T-bond is 4.20% and the current yield to maturity on the bond is 3.80%. The last coupon payment occurred on October 31^st, 2019 and the next coupon payment occurs on April 30^th, 2020. Calculate the clean and dirty prices of this transaction.

Calculate the pH for each of the following cases in the titration of 50.0 mL of 0.140 M HClO(aq) with 0.140 M KOH(aq). The ionization constant for HClO can be found here. A. before any KOH is added B. after 25.0 ml is added c. after 30.0 ml is added d. after 50.0 ml is added e. after 60.0 ml is added please help!

Someone holds X stock (ABCD.JK). To minimize the risk, he wants to add another stock, He is considering to add Y (EFGH.JK) or Z (PQRS.JK). He gathers some information to help him make a decision:

The standard deviation of ABCD.JK is 0.1 and the return of ABCD.JK is 4%. The investor wants to build an equality weighted portfolio (both 50% weight). To help him decide, please calculate:

a. The portfolio’s expected return of ABCD.JK and EFGH.JK

b. The portfolio’s expected return between ABCD.JK and PQRS.JK

c. The portfolio’s standard deviation between ABCD.JK and EFGH.JK

D. The portfolio’s standard deviation between ABCD.JK and PQRS.JK

e. Which stock should he add? DEFG.JK or PQRS.JK? Explain!