New Bank has total checkable deposits of $90 million in its account. Its capital, including common
stocks, retained earnings, preferred stocks and subordinated debt is $5 million. The reserves
required by the central bank is 7% of total deposits. The bank invests in commercial loans with
total loans value of $70 million. Assume New Bank does not invest in any other assets and has no other liabilities.


a) Show the bank's balance sheet.

Type your answer here
b) Calculate the total risk-based capital ratio of the bank. You calculations or marks will be deducted.
must show your work.
(2 marks)
Type your answer here
c) Explain whether New Bank's total capital complies with Basel's total capital requirements.
(Not more than 20 words, or marks will be deducted)

please do it in 35 minutes please urgently .. I'll give you up thumb definitely

The annual percentage yield (APY) that Gerd will get is:

6.2%

The exact rate of return that an investor receives from an investment after compounding the values on a monthly basis is known as the annual percentage yield.

The nominal interest rate, the number of times the value is compounded annually, and the base of the logarithm are all taken into account by the formula used to calculate the annual percentage return.

After compounding Gerd's interest on a monthly basis, with this formula:

APY= (1 + r/n )n – 1,

The Annual percentage yield gotten is 6.2.

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Answer:

The answer is shown in the picture

Explanation:

As Marshall observed, "Statistics are the straw out of which I, like every other economist, have to create bricks," this statement does definitely illustrate the significance and relevance of statistics in economics.

The economy is one of the most important aspects of our lives. Professionals in the financial sector frequently use it. However, economics without statistics is useless. We will offer statistics on economics with you in this blog. In economics, various statistics in economics are employed. You can reveal those economic information with the aid of this blog. But first, let's look at what statistics mean in the context of economics.

The quantification of data is handled by statistics. The qualitative data that is used in the data collection was represented using a variety of figures. The methodology used to deal with data collection, tabulation, classification, and presentation is known as statistics in economics.

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To guarantee that you will be elected to the board of directors using straight voting, you need to acquire more shares than any other candidate. In straight voting, each shareholder gets one vote per share they own, and the top four vote-getters are elected to the board.

To determine the minimum number of shares you need to secure a seat, you'll need to consider the number of shares required to surpass the number of shares held by the candidates competing for the other three seats.

Let's break down the steps:

1. Find out how many shares are required to secure each seat. Since there are four seats up for election, you need to find the number of shares needed to surpass the candidates competing for the three remaining seats (excluding yours).

  To do this, divide the total number of shares (255,000) by the number of remaining seats (3): 255,000 / 3 = 85,000 shares per seat.

2. Since you are running for one of the seats, you'll need to secure more shares than the candidates competing for the remaining three seats. Therefore, you'll need to acquire more than 85,000 shares.

3. To guarantee your election, you'll need to secure more shares than any other candidate. So, it's advisable to aim for a significantly higher number of shares.

In summary, to guarantee that you will be elected to the board of directors of Four Keys, Inc. using straight voting, you should aim to acquire more than 85,000 shares. However, to ensure a higher chance of success, it is recommended to acquire a significantly higher number of shares to surpass your competitors.

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In the recent years, companies have realized the need for Business Intelligence (BI) to make data-driven decisions. However, a successful implementation and oversight of BI requires effective management and strategy.

Therefore, this business proposal will cover important factors for a successful implementation and oversight of the company’s BI solution and major best practices to overcome the challenges and mitigate the risks while delivering a successful BI solution.

Areas of Business Strategy

Business strategy is one of the critical areas in BI implementation and oversight. The company must have a clear vision and goal for the BI solution, and the BI consultant must work with the executive team to develop a solid BI strategy. Best practices to establish a business strategy include:

Identify the business problem and determine what data is necessary to solve it.

Define the business objectives and determine how BI can assist in achieving them.

Determine the KPIs and set measurable goals to track the progress of the BI solution.

Areas of Business Processes

Another important area in BI implementation is business processes. Best practices for establishing business processes include:

Identifying business processes that will be impacted by the BI solution.

Developing standardized procedures for using and maintaining the BI solution.

Ensuring business processes are integrated into the BI solution and that users have access to real-time data.

Areas of People

People are an important factor for a successful BI solution. The company must ensure that its employees understand and use the BI solution to make data-driven decisions. Best practices for establishing people include:

Providing adequate training and support to the users.

Developing a data-driven culture to encourage employees to use the BI solution.

Establishing a data governance committee to oversee the BI solution and its usage.

In conclusion, a successful BI implementation requires effective management and strategy. Therefore, this business proposal has covered the important factors for a successful implementation and oversight of the company’s BI solution and major best practices to overcome the challenges and mitigate the risks while delivering a successful BI solution. It has also covered the benefits the company can achieve from a successful BI implementation.

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Governments should only allow professional lobbyists to influence government legislation when doing so is in the public's best interests.

Professional lobbyists are groups of people, such as corporations or trade associations, with an interest in the passage of certain legislation. They attempt to influence government legislation by providing the government with information and research to support their interests.

Lobbyists also coordinate meetings between their clients and government representatives and provide contributions to political campaigns.

Allowing professional lobbyists to influence government legislation can be beneficial, as it can provide government representatives with valuable information and research to inform their decision-making.

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Because Noah is a complainer, the acceptance of the developmental feedback by him might be challenging.

People who complains frequently, expresses dissatisfaction and quick to point out reasons why something won’t work without providing solution are known as Complainers.

The involuntary action of complaining might be an innate problem, therefore, needs special treatment at his place of work.

Therefore, in conclusion, because Noah is a complainer, the acceptance of the developmental feedback might be challenging.

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The type of bank that contributes to the national economy by managing accounts and credit lines for both individuals and businesses is a commercial bank. So, the correct choice is option C.

Commercial banks are financial institutions that play a vital role in the economy by providing a wide range of banking services to individuals, businesses, and governments. They accept deposits from customers and offer various types of accounts, including checking accounts, savings accounts, and certificates of deposit. Commercial banks also provide loans and credit lines to individuals and businesses to support their financial needs.

By managing accounts, commercial banks facilitate the safekeeping of funds for individuals and businesses, allowing them to make transactions, earn interest on their deposits, and access their funds conveniently through various banking channels.

Furthermore, commercial banks contribute to the national economy by extending credit lines to individuals and businesses. These credit lines can be used for various purposes, such as financing investments, expanding businesses, purchasing assets, or managing cash flow. By providing credit, commercial banks support economic growth, entrepreneurship, and job creation.

In summary, commercial banks are the type of bank that actively contributes to the national economy by managing accounts and credit lines for both individuals and businesses, playing a crucial role in promoting financial stability and facilitating economic activities.

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Answer:

c. This contract is void.

Explanation:

Since in the question it is mentioned that one day Anna received a phone call from the health insurance salesman and she purchase a $400 medigap insurance policy so the contract should be void in the eyes of law as it is not valid in terms of law plus nothing is specified for whom she purchased the policy for $400

Therefore the correct option is c.

The state of the United States' economy has an effect on local businesses that are started by entrepreneurs as it determines the amount of sales that the local business would make.

The state of the U.S. economy determines the income level of the average person in America. If the economy is doing well, then people generally have more income than if the economy is performing poorly.

When the economy is doing well and people have more income, they will be able to buy more goods and services from businesses including the local businesses established by entrepreneurs. If the reverse is the case, then local businesses would generally suffer when the economy is bad and people have less income.

There are also local businesses that see their income increase when the economy is doing poorly for instance, financial planners and health care.

In conclusion, local businesses started by entrepreneurs get affected by the state of the U.S. economy.

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Characteristics that are likely to differ between domestic and international companies include market reach, cultural diversity , regulatory compliance, language barriers, supply chain complexity, competitive landscape, and strategic decision-making.

1. Reach: International companies have a global presence, serving customers in multiple countries, while domestic companies primarily operate within a single country or a limited geographical region.

2. Cultural Diversity: International companies deal with diverse cultures, languages, and customs due to their operations in multiple countries. Domestic companies typically have a more homogeneous cultural environment.

3. Regulatory Compliance: International companies face complex regulatory frameworks and must adhere to diverse legal requirements across different countries. Domestic companies are subject to regulations specific to their home country.

4. Language Barriers: International companies often encounter language barriers, requiring multilingual communication and translation services. Domestic companies primarily operate in the language(s) of their home country.

5. Supply Chain Complexity: International companies manage complex global supply chains involving logistics, customs, and cross-border transportation. Domestic companies have simpler supply chains focused on domestic suppliers and distribution networks.

6. Competitive Landscape: International companies face competition from both local and global competitors in various markets. Domestic companies primarily compete within their home market.

7. Strategic Decision-Making: International companies must consider global market trends, geopolitical factors, and diverse consumer preferences when making strategic decisions. Domestic companies can focus more on local market dynamics.

8. Organizational Structure: International companies may have a decentralized organizational structure to empower local subsidiaries, while domestic companies often have a more centralized structure with less geographical dispersion.

9. Talent Pool: International companies require a diverse and globally-minded workforce to navigate different markets and cultures. Domestic companies can focus on recruiting talent within their home country.

10. Financial Considerations: International companies deal with currency exchange rates, international taxation, and financial risks associated with operating in multiple markets. Domestic companies typically face fewer financial complexities.

11. Branding and Marketing: International companies need to adapt their branding and marketing strategies to resonate with diverse audiences across countries. Domestic companies can focus on localized marketing efforts.

12. Risk Management: International companies face additional risks related to geopolitical bility, currency fluctuations, and legal complexities. Domestic companies have a more limited risk exposure tied to their home country.

These characteristics highlight the diverse challenges and opportunities that arise when comparing domestic and international companies. Organizations must consider these factors when formulating their strategies and operations in different contexts.

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Answer:

100, 10.5

Explanation:

1000 x .95= 950

1000x1.05=1050

1050-950= 100

100/950= 10.5

1. When the bond is redeemed at maturity, the total return (profit) for Timothy will be $100.00.

2. The total return on investment will be 10.5%.

The return on bonds is the profit gained from the purchase of the bonds.  

The profit includes all the capital gains (discount received) and interest revenues received until maturity.

Face value = $1,000

Purchase price = $950 ($1,000 x 1 - 5%)

Discount = $50 ($1,000 - $950)

Maturity period = 1 year

Coupon rate = 5%

Interest payment = semi-annual

Annual interest = $50 ($1,000 x 5%)

Total profit at maturity = $100 ($50 + $50)

Total return on investment = 10.5% ($100/$950 x 100)

Thus, when the bond is redeemed at maturity, the total return (profit) for Timothy will be $100.00 at 10.5%.

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Answer:

The change should you expect in operating cash flows next year would be 19.60%

Explanation:

In order to calculate the change should you expect in operating cash flows next year given your sales forecast we would have to make the following calculation:

change should you expect in operating cash flows=operating leverage rating*percentage of decrease sales next year

change should you expect in operating cash flows=2.8*0.07

change should you expect in operating cash flows=19.60%

The change should you expect in operating cash flows next year would be 19.60%

To pay off the mortgage debt plus any accrued interest and costs under what right is statutory redemption.

Borrowers can retrieve their properties following a foreclosure under the statutory right of redemption, but only up to a certain point. A borrower who has a legal right to redemption must pay the home's foreclosure selling price to buy it back. It is possible to retrieve your house during the redemption period after it has already been sold at a foreclosure sale. The remaining mortgage debt as well as any expenses related to the foreclosure procedure must be paid.

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Making a corporation has the benefit of typically exposing equity owners to less risk than in a partnership.

What is an example of a corporation?

A corporation in business (corporate business) is a legal organisation that was founded with the intention of turning a profit by shareholders, investors, or other individuals. It is a single entity that could be made up of people or a business, but it has a different legal status from its owners.Corporations are authorised to enter into contracts, bring legal actions and be sued, own property, pay federal and state taxes, and obtain bank loans.

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Taylorism attempted to use scientific principles to better handle industrial production in a business.

The term Taylorism was a scientific management theory that was proposed by Frederick Taylor.

It was a factory management theory that was established in the nineteenth century in order to raise efficiency.

To do this every step in the industrial manufacturing process had to be broken down so that the production would be more specialized and the tasks would be repetitive.

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The clerk who opens mail is assigned responsibility for preparing a document which identifies all cash collections received in the mail for a given day. This document is called Cash receipt prelist.

A clerk is a person who works in an office, typically doing administrative or secretarial work. Clerks are often responsible for keeping records, filing documents, and performing other office tasks.

In some cases, clerks may also be responsible for customer service or sales. Clerks typically work in business or government offices, though they may also be found in other settings such as schools or hospitals.

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A party can be discharged from a contract by impossibility of performance, breach of contract, rescission, frustration of purpose, operation of law and illegality.

1. Performance: The parties fulfill all the terms and conditions of the contract, and the contract comes to an end. A party is discharged from a contract when they have fully performed their contractual obligations.
2. Mutual agreement: Both parties agree to end the contract by mutual consent. Both parties may mutually agree to terminate the contract, thereby discharging their obligations.
3. Impossibility of performance: The performance of the contract becomes impossible due to unforeseeable events, such as war, natural disasters, or death of the parties involved.
4. Breach of contract: A party breaches the contract, and the non-breaching party can choose to terminate the contract.  If one party breaches the contract, the other party can be discharged from their obligations.
5. Rescission: One party can request the court to rescind or cancel the contract due to misrepresentation, fraud, or mistake.
6. Frustration of purpose: The objective of the contract becomes meaningless due to unforeseeable events, such as a change in law or regulation.
7. Operation of law: The contract becomes illegal due to a change in the law, or the contract is declared void by the court. A party can be discharged by operation of law, such as bankruptcy, which makes it impossible for the party to fulfill their contractual obligations.
8.  Illegality: If the subject matter of the contract becomes illegal or the contract itself is found to be against public policy, a party can be discharged from the contract.

By understanding these eight ways, you can better navigate the circumstances that may lead to a party being discharged from their contractual obligations.

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Answer:

c

Explanation:

Answer:

The topic/popularity of the script

Explanation:

When you are writing a script, you WILL NEED TO consider the topic/popularity of the script.

Hope it help! ;)

This statement "Total output may continue to rise even though marginal physical product is negative" is True.

Total output may continue to rise even though marginal physical product (MPP) is negative. Marginal physical product refers to the change in total output when an additional unit of input (such as labor or capital) is employed. When MPP is positive, it indicates that adding an extra unit of input will result in an increase in total output. However, as more input units are added, the MPP may eventually become negative due to the law of diminishing returns.

The law of diminishing returns states that as more units of input are employed, there will be a point at which the incremental output gained from each additional unit starts to decline. Once MPP becomes negative, it implies that adding more units of input actually decreases the total output. However, total output can continue to rise if the negative MPP is relatively small compared to the total output generated thus far.

For example, imagine a factory that initially increases its total output with each new worker added. Eventually, adding more workers causes overcrowding and inefficiencies, leading to a negative MPP. Yet, if the decrease in output caused by the negative MPP is smaller than the increase in output from the previous workers, the total output will still continue to rise, albeit at a slower pace.

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Answer:

dwddddd

Explanation:

Answer:

I think its B

Explanation:

Because you own your own place

The owner of a local coffee shop would be considered an entrepreneur. Hence, option B is correct.

Entrepreneurs are people who launch new businesses, bearing the bulk of the risks and getting the majority of the rewards. Starting a business is a practice of entrepreneurship.

The entrepreneur is generally regarded as an inventor who develops novel ideas for goods, services, companies, and operating procedures. Several well-known businesspeople include Bill Gates, Steve Jobs, Mark Zuckerberg, Pierre Omidyar, Arianna Huffington, and Caterina Fake.

Some kinds of entrepreneur are -

   Small Businesses Entrepreneurship.

   Scalable Start-up Entrepreneurship.

   Social Entrepreneurship.

   Large Company Entrepreneurship.

Thus, option B is correct.

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Answer: The income summary is a temporary account used to make closing entries. All temporary accounts must be reset to zero at the end of the accounting period. The income summary account then transfers the net balance of all the temporary accounts to retained earnings, which is a permanent account on the balance sheet.

The given statement "Trade credit is credit extended to the buyer by the seller. It is entered in the buyer's books as an account receivable." is true because trade credit is a form of credit provided by the seller to the buyer, allowing the buyer to delay payment for goods or services received.

This credit is recorded in the buyer's books as an account receivable, representing the amount owed to the seller.

Trade credit is an important aspect of many businesses, allowing them to maintain positive relationships with suppliers and manage their cash flow effectively. It is often used as a short-term financing tool, allowing buyers to purchase goods or services on credit while they await payment from their own customers.

Trade credit can also help to reduce the administrative costs associated with traditional forms of credit, such as loans or lines of credit. Overall, trade credit plays an important role in the financial health of many businesses.

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Trade credit is credit extended to the buyer by the seller. It is entered in the buyer's books as an account receivable. True or False.

A. Increase in Government Spending: Aggregate Demand

B. Increase in Tax Rates: Aggregate Demand

C. Increase in Wages: Short-Run Aggregate Supply

D. Increase in Technology: Long-Run Aggregate Supply

E. Increase in Population: No shift in any curve

A. Aggregate demand would rise as a result of increased government expenditure, moving the AD curve to the right. In the short run, this increased demand would result in higher prices and more output, and in the long run, it would boost equilibrium output.

B. The aggregate demand would decline as tax rates rose, moving the AD curve to the left. In the short run, this decreased demand would result in lower prices and a fall in output, and in the long run, it would result in a decrease in equilibrium output.

C.The Short-Run Aggregate Supply would rise as salaries rose, moving the SRAS curve to the right. In the short run, this increased supply would result in higher prices and more output, but the long-run equilibrium output would remain same.

D.The Long-Run Aggregate Supply would rise as a result of improved technology, moving the LRAS curve to the right. In the long term, this additional supply would result in lower prices and higher output while leaving the short-run equilibrium output unchanged.

E. Because an increase in population would have no impact on aggregate supply or demand, none of the curves would change. Only the output level would change because the potential output would rise with an increase in the population.

Complete Question:

Increase in Government Spending, Increase in Tax Rates, Increase in Wages, Increase in Technology and Increase in Population.

Classify each item based on whether a change in the item would cause the curve to shift.

If an item's change shifts more than one curve, place it in a single category according to this order:

A. Aggregate Demand

B. Short-Run Aggregate Supply

C. Long-Run Aggregate Supply

D. No shift in any curve

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Answer:

A. Doing a cost-benefit analysis.

Explanation:

i took the test

A boosted post helps an adviser to connect with the audience and gain trust.

Boosted post is a kind of post that is used on social media platforms in order to enhance the page of the platform and to attract audience to the page. Boosted post can help better communication with the audience along with the increase in a greater number of messages, calls and texts. Boosted posts help for better advertisements of the product. For example, A Chocolate brand may use Boosted posts to gain audience as well as consumers. Boosted posts helps an adviser to be discovered among people, to establish a benchmark in the market and to gain more and more customers. It's a kind of marketing strategy used for publicity purpose.

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The superior mix of output is the most suitable aggregate of output manageable with current resources, technology, and social values.

The market mix of output and the gold standard combine of output are continually the same. The market tends to underproduce public goods. Public choice idea emphasizes the function of self-interest in public decision-making.

Market failure implies that the market mechanism: Leads the economy to the incorrect combine of output. Market failure leads to: Public items being under-produced.

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Answer:

D) certificate of deposit.

Explanation: