MT480M1-Analyze financial statemen

The ability to interact and solve problems together, even at a distance, is a key skill in today’s global organizations. You will analyze financial data and provide a memo to your loan officer as if you were a member on a team.
Instructions:
Read the scenario, access the data worksheet below. Review the rubric which provides some tips on how to organize your team process. Then, as if you were a member of a team, respond to the items below.
Requirements:
This part of the assessment represents the primary steps of understanding the nature of cash flows in a business. Year-to-year comparative balance sheets are used in the analysis. After review and analysis of the data, you will prepare a business memo to outline the sources or uses of specific account cash flows and how these outcomes support your reasoning for approving or denying the loan. The analysis is based upon year-to-year changes of these specific balance sheet sections: Accounts Receivable, Inventory, Accounts Payable, Wages Payable, Plant Property and Equipment, and Long-term Debt.
You will:
Analyze financial data and present the rationale for what your loan committee (you as a member of a team) wants to do on the loan renewal request, and submit supporting documents.
Scenario: You are required to conduct an analysis of specific financial data of Bob Smith, Inc. Bob is an existing bank customer. When the loan to Bob was originally made in 2016, the bank required Bob to increase the YE 2016 cash balance to at least $70,000 to qualify for the interest rate that the bank used for the original loan. This cash balance was required for the bank to make its target yield on the loan created. The Cash Flow Statement and Balance Sheet show an actual YE 2017 cash balance of less than $34,000.
You will need to complete the 2017 Cash Flow Statement. In addition, you will also prepare the “Common Sized Financial Statements” for the 2 years shown.
This information allows you to substantiate the 2018 loan denial or renewal request. You are acting as the loan committee of the bank and you will address an internal memo to the loan officer in charge of this loan facility giving the committee’s decision on whether to approve the loan as is, renew the loan with modifications, or deny the loan request. Be sure you move away from definitions to analysis. Additionally, you do not need to give definitions of balance sheet accounts.
The Balance Sheets and Cash Flow Statements provided in the data worksheet below will assist you in your analysis. From these documents, and from the ones you produced, discuss the following:
The operating cycle of the company
The covenants within the CC

FIN402-Noura

All answered must be typed using Times New Roman (size 12, double-spaced) font. No pictures containing text will be accepted and will be considered plagiarism). The Assignment must be submitted in (WORD format only). Use 2 to 4 References and write it in the last page by APA style. I want new words, No plagiarism “Please make it 0% percentage (we want put it the solution with the Cove page🙏)(noura-acct)

risk management , Financial Institutions and Markets

Highlight some of the major risks, banks in Saudi Arabia are facing. Do you think these banks are taking adequate measures to monitor and manage their risk exposure?
part 3
Q1. “The more risk-averse people are, the more likely they are to diversify.” Is this statement true, false, or uncertain? Explain your answer.
Q2. Define the concept of Standard Deviation and how to help to evaluate different investment choices?
Q3. Explain the relation between Interest rate and Bonds quantity level?
300 – 500 word for each Q
part 4
Writ a critical analysis on subprime crisis that had hit the United State financial market in 2007-2008 and had severely affected powerful economies of the world. Please include the following points in your writing.
Introduction of the crisis
Causes of the crisis
Whom to blame, Basel II, rating agency, the regulators or the banks themselves?
Conclusion.
Your answer should be in approximately 1000 words.
for all parts
Your answers MUST include outside references
i need part 1 , 2 by the end of the day and the rest on the d-day

Analyze the Operating plan and make recommendations for improvement.

If the
actual price of the stock is $35.50, what is your assessment of the proposed operating
plan? What are some actions the company can take to improve the projected operating
plan and thus the intrinsic value? The actions must be explained in depth as to why and
how the actions can improve performance; ROIC, FCF, and ultimately the intrinsic
value. This means that you have to create scenarios to illustrate the quantitative
changes to the data. You must create three scenarios: one where you have made
adjustments to the operating ratios to improve liquidity, one where you have added
adjustments to improve the asset management ratios, and then a sheet that also
includes adjustments to the financing policy, specifically the assumed WACC. In the
original operating plan management assumed that WACC would remain the same over
the four years. However, if the liquidity position is improved and the company is more
efficient in asset utilization, debt financing is likely affected. Each scenario will be on a
separate sheet, meaning you will have a total of four new sheets added to your BAM.
The scenario sheets should be labeled as follows (or something similar).
“AY19 FY20-23 S1” – Improve liquidity
“AY19 FY20-23 S2” – Improve liquidity

Finance questions

Each driver has cash in the amount of $600 and owns a car worth $2,000 (thus initial wealth W 0 = $2, 600 for all drivers). However, drivers have different probabilities of crashing their cars; some are high risk (pH= 30%), some are medium risk (pM= 20%), and others are low risk (pL= 10%). There are only two states of the world, crash and no crash. In the crash state, drivers suffer a total loss; i.e., cars become worthless whenever crashes occur. Insurance is available, although it is not compulsory. Thus, drivers insure themselves only if the expected utility of being insured exceeds the expected utility of going without insurance. While insurers know that there are equal numbers of high, medium, and low risk drivers, there is asymmetric information; specifically, insurers cannot identify which drivers are high, medium, and low risk

paraphrasing 1

All questions and answers have to be paraphrased as well, without changing the meaning. As mentioned, values will also have to be changed.
In summary, please do the following:
1) Change values for questions and answers (so workings in answers have to reflect the change in values in the questions)
2) Paraphrase questions – so it will not show on a plagiarism checker
3) Paraphrase answers – so it will not shown on a plagiarism checker
__

finance video 2

PLEASE FOLLOW THE RUBRIC BUT KEEP IT SIMPLE PLEASE! THIS ASSIGNMENT IS MEANT FOR SOMEONE WHO DOESN’T SPEAK GOOD ENGLISH, SO KEEP IT SIMPLE.
Answer all questions below:
List the financial transactions you have engaged in over the past week. How might each transaction have been carried out 50 years ago? (LO1)
List three items you used to buy with cash, but you now purchase with a debit card. (LO1)
Financial innovation has reduced an individual’s need to carry cash. Explain how. (LO1)
Many people believe that, despite ongoing financial innovations, cash will always be with us to some degree as a form of money. What core principle could justify this view? (LO2)
Grading Rubric for Individual Presentations
Presentation #1: 100% value = ____ points
Introduction 10%
% of Points Available
10
% of Points Earned
Additional Comments:
· 10.0 to >9.0 pts Excellent
· Gains the attention of the viewer, States Thesis, establishes credibility, Previews main points
· 9.0 to >8.0 pts Good
· Meets any three of four criteria
· 8.0 to >7.0 pts Needs Improvement
· Meets any two of four criteria
· 7.0 to >0 pts Does Not Meet Requirements
· Meets only one of the four criteria Meets none of the criteria
%
Organization 20%
% of Points Available
20
% of Points Earned
Additional Comments:
· 20.0 to >18.0 pts Excellent
· Creative and comprehensive organizational pattern. Consistently maintained and enhanced cohesiveness of speech. Multiple occurrences of internal and comprehensive transitions.
· 18.0 to >16.0 pts Good
· Good use of organizational patterns. Usually maintained and contributed to cohesiveness of speech. A couple of occurrences of awkward internal and comprehensive transitions.
· 16.0 to >14.0 pts Needs Improvement
· Attempted to use an organizational pattern. You tried to maintain and add to the cohesiveness of speech. Some occurrences of internal and comprehensive transitions.
· 14.0 to >0 pts Does Not Meet Requirements
· Speech lacked organization and cohesiveness overall. Did not use any internal transitions or basic signposts, “next, second” transitional words. Incoherence; poor organization and transition.
%
Content
40%
% of Points Available
40
% of Points Earned
Additional Comments:
· 40.0 to >36.0 pts Excellent
· Demonstrates strong or adequate knowledge of the materials; correctly represents knowledge from the readings and sources. When visual aids are used, they are easy to interpret.
· 36.0 to >32.0 pts Good
· Some significant but not major errors or omissions in the demonstration of knowledge. Though visual aids are used, some are difficult to interpret.
· 32.0 to >28.0 pts Needs Improvement
· Major errors or omissions in the demonstration of knowledge. Though visual aids are used, most are difficult to interpret.
· 28.0 to >0 pts Does Not Meet Requirements
· Fails to demonstrate knowledge of the materials. No knowledge of the material
%
Delivery
20%
% of Points Available
20
% of Points Earned
Additional Comments:
· 20.0 to >18.0 pts Excellent
· Exhibited confidence. Expressed vocal variety. Engaging gestures, facial expressions, and appearance greatly enhanced the message. Minimal nervous mannerisms. Eye contact with the audience or the camera virtually all the time (except for glances at notes).
· 18.0 to >16.0 pts Good
· Confidence is usually apparent. Usually displayed vocal variety. Good use of gestures, facial expressions, and appearance was appropriate. Some nervous mannerisms. Eye contact with the audience or the camera most of the time.
· 16.0 to >14.0 pts Needs Improvement
· Appears somewhat confident. Natural vocal variety but lacked expressive emphasis; Adequate gestures and facial expressions; appearance was satisfactory. Several nervous mannerisms. Eye contact with the audience or the camera less than 50% of the time.
· 14.0 to >0 pts Does Not Meet Requirements
· Lacked confidence. Ineffective vocal delivery. Futile gestures and facial expressions; inappropriate or distracting appearance. Continual nervous mannerisms, vocal fillers, and distracting movement. Little or no eye contact with the audience or the camera. Ineffective delivery.
%
Conclusion 10%
% of Points Available
10
% of Points Earned
Additional Comments:
· 10.0 to >9.0 pts Excellent
· Cues viewer that the end of the speech is at hand. Brings closure. Restates the main points of the presentation. Memorable.
· 9.0 to >8.0 pts Good
· Attempts to cue viewer and brings closure, but not effectively.
· 8.0 to >7.0 pts Needs Improvement
· Attempts to bring closure, but does not restate or leave an impression.
· 7.0 to >0 pts Does Not Meet Requirements
· It does not bring closure; the audience is left hanging. It does not bring closure; the viewer is left hanging.
%
.
·
Grammar grade: %
Plagiarism: 0%
Total Available
Total Earned
xx/100
Oral Presentation Feedback
Assignment: Visual Presentation
Presentation: 100% (x Points) Paper Content: 0%
Introduction
Circle One
Comments
Was the speaker in position at the start?
Yes No
Is the speaker’s appearance appropriate?
Yes No
Did the speaker introduce him/herself?
Yes No
Was there an “attention, getter?”
Yes No
Did the speaker give a good preview?
Yes No
Was there an excellent transition to the body?
Yes No
Organization/Structure
Did the speaker appear confident and at ease?
Yes No
Was the presentation well organized, clear, and effectively structured?
Yes No
Was eye contact made with the audience throughout the speech?
Yes No
Did they use appropriate gestures?
Yes No
Did they control excessive hand movement?
Yes No
Did the team maintain good posture and not lean?
Yes No
Was there minimal use of “non-words?”
Yes No
Was body language open and non-threatening?
Yes No
Did the speaker read from written notes or paper?
Yes No
Were there transitions between speakers?
Yes No
Conclusion
Speaker presented a clear summary.
Yes No
Group solicited questions and answered them thoroughly.
Yes No
Visual Aids (VA)
VAs were appropriate to the content.
Yes No
VAs were clear, concise, and uncluttered.
Yes No
Content
Did the content followed written directions?
Yes No
Was the topic relevant and address the assignment?
Yes No
Was the content presented comprehensively and accurately?
Yes No
Was the topic researched adequately?
Yes No

finance video

PLEASE FOLLOW THE RUBRIC BUT KEEP IT SIMPLE PLEASE! THIS ASSIGNMENT IS MEANT FOR SOMEONE WHO DOESN’T SPEAK GOOD ENGLISH, SO KEEP IT SIMPLE.
Answer all questions below:
List the financial transactions you have engaged in over the past week. How might each transaction have been carried out 50 years ago? (LO1)
List three items you used to buy with cash, but you now purchase with a debit card. (LO1)
Financial innovation has reduced an individual’s need to carry cash. Explain how. (LO1)
Many people believe that, despite ongoing financial innovations, cash will always be with us to some degree as a form of money. What core principle could justify this view? (LO2)
Grading Rubric for Individual Presentations
Presentation #1: 100% value = ____ points
Introduction 10%
% of Points Available
10
% of Points Earned
Additional Comments:
· 10.0 to >9.0 pts Excellent
· Gains the attention of the viewer, States Thesis, establishes credibility, Previews main points
· 9.0 to >8.0 pts Good
· Meets any three of four criteria
· 8.0 to >7.0 pts Needs Improvement
· Meets any two of four criteria
· 7.0 to >0 pts Does Not Meet Requirements
· Meets only one of the four criteria Meets none of the criteria
%
Organization 20%
% of Points Available
20
% of Points Earned
Additional Comments:
· 20.0 to >18.0 pts Excellent
· Creative and comprehensive organizational pattern. Consistently maintained and enhanced cohesiveness of speech. Multiple occurrences of internal and comprehensive transitions.
· 18.0 to >16.0 pts Good
· Good use of organizational patterns. Usually maintained and contributed to cohesiveness of speech. A couple of occurrences of awkward internal and comprehensive transitions.
· 16.0 to >14.0 pts Needs Improvement
· Attempted to use an organizational pattern. You tried to maintain and add to the cohesiveness of speech. Some occurrences of internal and comprehensive transitions.
· 14.0 to >0 pts Does Not Meet Requirements
· Speech lacked organization and cohesiveness overall. Did not use any internal transitions or basic signposts, “next, second” transitional words. Incoherence; poor organization and transition.
%
Content
40%
% of Points Available
40
% of Points Earned
Additional Comments:
· 40.0 to >36.0 pts Excellent
· Demonstrates strong or adequate knowledge of the materials; correctly represents knowledge from the readings and sources. When visual aids are used, they are easy to interpret.
· 36.0 to >32.0 pts Good
· Some significant but not major errors or omissions in the demonstration of knowledge. Though visual aids are used, some are difficult to interpret.
· 32.0 to >28.0 pts Needs Improvement
· Major errors or omissions in the demonstration of knowledge. Though visual aids are used, most are difficult to interpret.
· 28.0 to >0 pts Does Not Meet Requirements
· Fails to demonstrate knowledge of the materials. No knowledge of the material
%
Delivery
20%
% of Points Available
20
% of Points Earned
Additional Comments:
· 20.0 to >18.0 pts Excellent
· Exhibited confidence. Expressed vocal variety. Engaging gestures, facial expressions, and appearance greatly enhanced the message. Minimal nervous mannerisms. Eye contact with the audience or the camera virtually all the time (except for glances at notes).
· 18.0 to >16.0 pts Good
· Confidence is usually apparent. Usually displayed vocal variety. Good use of gestures, facial expressions, and appearance was appropriate. Some nervous mannerisms. Eye contact with the audience or the camera most of the time.
· 16.0 to >14.0 pts Needs Improvement
· Appears somewhat confident. Natural vocal variety but lacked expressive emphasis; Adequate gestures and facial expressions; appearance was satisfactory. Several nervous mannerisms. Eye contact with the audience or the camera less than 50% of the time.
· 14.0 to >0 pts Does Not Meet Requirements
· Lacked confidence. Ineffective vocal delivery. Futile gestures and facial expressions; inappropriate or distracting appearance. Continual nervous mannerisms, vocal fillers, and distracting movement. Little or no eye contact with the audience or the camera. Ineffective delivery.
%
Conclusion 10%
% of Points Available
10
% of Points Earned
Additional Comments:
· 10.0 to >9.0 pts Excellent
· Cues viewer that the end of the speech is at hand. Brings closure. Restates the main points of the presentation. Memorable.
· 9.0 to >8.0 pts Good
· Attempts to cue viewer and brings closure, but not effectively.
· 8.0 to >7.0 pts Needs Improvement
· Attempts to bring closure, but does not restate or leave an impression.
· 7.0 to >0 pts Does Not Meet Requirements
· It does not bring closure; the audience is left hanging. It does not bring closure; the viewer is left hanging.
%
.

·
Grammar grade: %
Plagiarism: 0%
Total Available
Total Earned
xx/100
Oral Presentation Feedback
Assignment: Visual Presentation
Presentation: 100% (x Points) Paper Content: 0%
Introduction

Circle One
Comments
Was the speaker in position at the start?
Yes No
Is the speaker’s appearance appropriate?
Yes No
Did the speaker introduce him/herself?
Yes No
Was there an “attention, getter?”
Yes No
Did the speaker give a good preview?
Yes No
Was there an excellent transition to the body?
Yes No
Organization/Structure
Did the speaker appear confident and at ease?
Yes No
Was the presentation well organized, clear, and effectively structured?
Yes No
Was eye contact made with the audience throughout the speech?
Yes No
Did they use appropriate gestures?
Yes No
Did they control excessive hand movement?
Yes No
Did the team maintain good posture and not lean?
Yes No
Was there minimal use of “non-words?”
Yes No
Was body language open and non-threatening?
Yes No
Did the speaker read from written notes or paper?
Yes No
Were there transitions between speakers?
Yes No
Conclusion
Speaker presented a clear summary.
Yes No
Group solicited questions and answered them thoroughly.
Yes No
Visual Aids (VA)
VAs were appropriate to the content.
Yes No
VAs were clear, concise, and uncluttered.
Yes No
Content
Did the content followed written directions?
Yes No
Was the topic relevant and address the assignment?
Yes No
Was the content presented comprehensively and accurately?
Yes No
Was the topic researched adequately?
Yes No