Banking Simulation Report

In the financial decision, probably not paying enough dividends was our biggest issue in term of finance. We were not able to find the balance between investing in the growth of the company and providing fair dividend to our stakeholders. By looking at our final performance we could have easily provide a higher dividend, which would have shown the stability and good financial position of our company and increase our ROE.

1. Key success factors & company performance…………………………………………………..3 2. Bank perspective regarding the performance…………………………………………………..7 3. Bank financing perspective at the end of 1998……………………………………………….10 4. Management perspective regarding the bank financing………………………………….13 5. Exhibit 1 – Annual Income Statements (1994-1997)………………………………………17 6. Exhibit 2 – Annual Balance Sheets (1994-1997)……………………………………………..18 7. Exhibit 3 – Quarterly Income Statements 1997……………………………………………….19 8. Exhibit 4 – Quarterly Balance Sheets 1997………………………………………………………20 9. Exhibit 5 – Forecasting………………………………………………………………………………………21 10. Exhibit 6 – Annual Ratios………………………………………………………………………………….22 11. Exhibit 7 –

Mention each account affected and the appropriate amount. The Reserve account of the company is increased by $ 10,000; cash account of the bank is increase by $ 90,000, while the liability of $

A repayment of short-term debt accounted for a negative impact on the cash flow statement in the financial activities. This repayment occurred in 2001 totaling $80,000,000 and resulted from short-term loans for expansion. In 2001, there were proceeds of $80,000,000 from short-term debt. A positive impact on the cash flow statement from financing activities in 2001 resulted from proceeds from public debt offering in 2001 of $319,379,000. These proceeds originated from the issuing of $554,400,000 of Liquid Yield Option Subordinated Notes. In the previous year, the offering was $197,258,000 with $0 in the two years prior.

 What is the plan to maximize asset and increase asset turnover, which decreased from 2005 to 2008

Total current assets of the company shows an ambiguous trend but it shows remarkable increase in some years. During 7 year period from 2007 to 2014, total assets of college grew by only 12%. The main reason for ambiguous trend of total assets is cash and cash equivalents, but it

Legally a minor cannot own any stock without parental supervision. But as far as what I think is the right time for someone to invest all depends on the person. Obviously if our country goes into another Great Depression then you should take all your money out that you can. As long as the person's mature enough to be gambling with money, is okay to lose the money they put in, and is mostly debt free then they should invest, in stocks that is. A lot of people have the misconception that buying stocks is all about timing. Which this is true if your wanting to earn some cash quickly, but as long you've done your research on a company staying for the long haul is the way to go. Over a long period of time the compound return on a smart investment will add up nicely.

A credit card is like a double-edged knife. Would be nice if we are wise to use it, otherwise, would be evil if used to go into debt in order to fulfill our wishes. Then what should be done so that we can immediately pay off the debt? Here is an example of a simulation of the repayment of a credit card. I hope this simulation can be useful to you. For example, suppose you earn around $ 4,000 per month and have 2 credit cards. You owe to the first credit card for $ 800 with interest of 3.75% per month and to the second credit card for $ 500 with 4% interest.

Although the company’s liquidity ratios have dropped their ratios are still outperforming their RMA industry average by 15%. The decrease in the company’s liquidity ratios is the result of their current liabilities increasing 6.5% from fiscal year 2014 and their current assets only increasing 0.7% from fiscal year 2014. The company saw a decrease in cash and equivalents, accounts receivable, and income tax receivable in 2015. While also increasing accounts payable, accrued expenses, and deferred revenue and other liabilities. The combination of the movement in these accounts result in lower liquidity ratios for fiscal year 2015.

Improvement with customer deposits fully funding loan growth, rise in 71.4% customer deposit to loan ratio

As a result, although the company’s changes in accounting policy were not easily to be understood by average investors, the company has shrewd accounting, operating, financing and investing moves made by senior management. So I guess the company would witness positive improvement in the

Therefore, Jamba’s reduction in cash is not as alarming as it may appear. Many companies during their growth stage must sacrifice cash in order to grow their company by increasing their number of stores. What is concerning is that in 2008, both Jamba’s cash and property, plant, and equipment dropped somewhat drastically. In most healthy companies if one of those figures drops the other increases, assuming the company has not bought treasury stocks. Often times, when both drop it means the company liquidated property, plant, and equipment in order to cover current liabilities. After not being able to find additional information concerning the drop in Jamba Juice’s 10-K, Jamba’s liquidity risk is more alarming. Assuming that Jamba’s management is aware of their liquidity and have learned from their unsuccessful growth strategies, liquidity risk is not of great concern. But given Jamba’s history of managerial decision making concerning growth and the recent trend of decreasing cash levels Jamba’s liquidity risk is

As additional part of the covenants the bank placed importance on the net working capital. This could have positive impact to the firm’s future. As the firm is affected by liquidity problems, the covenants on net working capital will make Butler to

company had experienced a shortage of cash and had found it necessary to increase its borrowing

From the 2001 projections, the company`s sales revenues reached the 90.9 million mark in 2001 representing a 15 million rupees growth over the previous year. Despite this remarkable increase, there are a number of financial challenges that must be taken into account when evaluating the forecast. For example, based on the company`s total assets turnover which tells how efficient the company is using its assets to generate sales, Kota`s total assets turnover ratio is suboptimal. In 2000, the