Loan Case Studies Samples For Students

Executive Summary

This work has to be written consecutively and logically in order to consider and to take into account all features and decisions of the problems and to comprehend the overall situation. I intend to define the main problem of the case, its issues and describe it.
When the problems will be defined, and the description will be finished, I am going to analyze the financial performance of the business using the financial data of the case. This part of the paper is the largest and has a very important meaning for decision-making. Financial and numerical data describes precisely the ...

Business

5 June 201

Question 1

i). Bank Loan

ii) Sell stock to equity investors
In the case of sale of stock to the equity investors, the sales will increase in the income statement, and in the balance sheet the stocks (assets) will decrease.
iii) Extended credit terms from vendors

In this case, the assets will increase, and the payables also will also increase in the balance sheet.

Furthermore, in the above-mentioned cases
- Liquidity Ratio
- Debt Ratio
- Payable turnover Ratio will be influenced.

Considering bank loan, when loan is taken the liquidity ratio will increase, and the debt ratio will also increase.

In the case of the sale of stock to the equity investors, liquidity position will be better so the liquidity ratio will increase, and the debt to equity ratio will ...

Statement of Problem

Finance and accounting are two different things but most of the people regarded both of them as identical or similar one. Accounting is basically a name of recording the transaction of an organization, while finance is the name of utilizing the funds of a company at a perfect place from where the likelihood of earning would be on a higher scale in total.
Concepts that come under the ambit of both of these broad visions are important to analyze as both of these broad concepts have something very different. Finance based versions and decisions are important for an individual, therefore they have ...

Question 1 CRP is required by the banks to hedge its interest rate exposure for a minimum amount and period. Which of the hedging instruments would you advise CRP to choose and why? (50 marks)
At normal interest rate, Expected probability of risk is 0.87x0.5=0.435
At higher interest rate, expected probability of risk is 1.385x0.25=0.34625
At lower interest rate, expected probability of risk is 1.1175x0.25=0.2794
The probability of the risk occurring is lower at the lower interest rating therefore the company should take the option at lower interest rate. The scenario with the lower interest should ...

Summary

During the application for credit of any nature from an individual or a financial institution, they have the permission as provided by the law to confirm the borrower’s credit record. The main aim of having such checks on credit checks is to know the borrower credit rating in order to determine whether the borrower is entitled to be given the credit (Schmitt, 2012). Therefore, the report that is obtained from the scrutinized credit check is vital, as it is part of the discovery process. In the process of confirming that the information in the credit checks are clean, then ...

Having been granted the opportunity to administer consultancy services to your bank specifically in regard to the new staff training and orientation towards their new roles at the Commercial Lending Department in respect of small businesses, I submit the following training manual for use. The manual explains the reasons and application of analysis and gives examples of statements to analyse. The staff is advised to incorporate other financial information and competencies relevant to the lending department.

Reasons for Bank Analysis of clients’ statements and Information

In any commercial transaction in banking, the overriding objective often is that the bank should be able to make profits. The concept of ...

- The property:

 $2,995,000
 Status:Active-AvailableBeds:3 Bed Baths:4 Bath House Size:2,190 Sq Ft Year Built:2002
http://www.realtor.com/realestateandhomes-detail/1000-S-Pointe-Dr-Apt-304_Miami-Beach_FL_33139_M50270-39000
- Downpayment: 20%.
- 20% from 2,995,000 is 599000
- Remaining amount to finance: 2,396,000
- Mortgage rate (30 years): 3.5%
https://offers.lendingtree.com/tl.aspx?tid=mortgage&vid=2-1-1-1-0-1-0-0-0-0-0-1-0-3-1-0-0-1-0-1-3-1-0-0-0-0-1-0-0-0-0-0&LOAN_TYPE=PURCHASE&800num=866-910-0900&esourceid=6092456&icid=BizDevRealtorcom&property-state=FL&property-city=miami+beach&purchase-price=2995000.0000&realtorAdd=1000+s+pointe+dr+unit%3a+304
- See appendix 1. Source used:
http://www.amortization-calc.com/#loan-2396000-30-3.50-3-2013-2
- Monthly payment: $10,759.11
- Total interest: $1,477,279.86
- First month: interest: $6,988.33. Percentage: ~65%
- Last payment: interest: $31.29. Percentage: ~0.000029%
...

Tools for Evaluating the Projects

Biz Systems Consultants Ltd is a firm that is set up by experienced persons. Now they are in consideration for the projects that have investment of 17, 00,000$ and three projects are mutually exclusive. In this report we will find out the ways and tools that can help the firm in accessing the feasibility of the project. There are different methods of accessing the feasibility of projects as well as many sources of finance but we will discuss here the three major sources of finance that are best suitable for the company (Bearse, 1993).
For the company Biz ...

1. Are subprime loans an unethical financial instrument, or are they ethical but misused in a way that created ethical issues?

Subprime loans are not considered to be an unethical financial instrument. However, their misuse results in both ethical and legal issues. Original goal of subprime lending is helping borrowers with low credit ratings or those who cannot maintain their repayment schedule to receive loans at a rate above prime loans.

Subprime loans appeared in 1970s, when social activists mobilized President Administration and U.S. Congress to deal with social injustices in home ownership, and provide loan opportunities to people from low-income neighborhoods (Eastburn 14). Since then lenders could charge higher rates to this kind of borrowers due to added risk, and ...

The subprime mortgage crisis was due to house prices decline and a crisis in the banking industry due to diminished liquidity at a time was going through a period of recession (Demyanyk & Hemert, 2008). Demyanyk & Hemert (2008) argues that the subprime mortgage crisis had its genesis from the high loan delinquencies and mortgage foreclosures inherited between the years 2001 and 2006 with the year 2006 being the most notorious culprit. Wilse-Samsony (2010) claims that the high cases of delinquency and foreclosure may have been caused by caused by resets in the interest rates, poor consumer loan product information and ...

Introduction

Pehr Weisengraf could not interpret the financial ratios of his business after he was presented with a document of the calculated ratios by the banker following a failure to secure a loan for his business from the bank. The ratios are calculated to predict and ascertain the performance of the business by credit issuing institutions. The comparison of the ratios from the previous and current year did not match the required industry average that could have consequently determined what amount of loan could be awarded to his business. In this regard, it is essential that Weisengraf learns what the ratios mean and ...

Description of Business

“Magical Healthy Goodies” is a home-based business, selling low-calorie healthy cookies, cakes, and pastries. Business objectives, which are specific clearly defined targets, are the following: starting from December 2010, to increase sales twice by the end of February 2011, and achieve sales of $15 000 in the following 6 months. In order to do this, sole proprietor of the business Ms. Fatmah Hemdan will hire one personal assistant Ms. Alyaa Mohamed, who will be helping with orders, deliveries, and overall management. The business will use social media marketing, namely Facebook group, to promote their products. Social media activities will include ...

Butler Lumber Co.

Reason for borrowing fund for the profitable business
Even though the company is profitable, Butler is looking for the funds from the market to meet the capital needs. The company operation is increasing and the company needs to support its operating activities. In addition to this, the company must hold sufficient cash to provide flexibility in the company as well as for the consolidation of the outstanding debt; Butler is seeking for the funds from the market. The careful evaluation of business shows that the company is expanding its business and there is the need of funds to meet ...

Studio Stessia is a form of partnership that is owned by Paul and Nicole. This partnership operates various businesses under one roof. Some of the business activities that take place in the partnership include sale of women’s clothes and salon. This partnership is located in the outskirts of Quebec City. This business is a family business since it was inherited from the grandmother of one of the partners. The two partners are people with other responsibilities in the society and therefore have little time to manage the business. As a result, the partners have employees who manage the business on their ...

The document will analyze financial positioning of ClineKinds Inc that has proposed a loan of its future operation. The goal set for the purpose of this paper is to critically analyze the financial information of the chosen company in order to have in-depth understanding about the company’s positioning. It is also due to identification of the company’s performance are eligible to acquire further loans for its future operations.
Currently, ClineKinds have requested the commercial banks for another loan of $300,000 for at least five years and more. In order to expand its business operations, introduce new ...

1.0. Background of London woods Limited
This is a private limited liability company that specializes in the production of furniture for sale to wholesale, retail and private use. It has been in business for the past five years and currently it employs 50 personnel that work within the company. It operates in the domestic market. The company was founded by three young men that were carpenters, Billi Kid, Bengazy and Lee Jones. These young men were energetic and they had appointed Operations Director aged 25 years. The operation's director's name was Mathew Do It. He is an innovator who ...

Context of Problem

The current problem for Bernard “Bernie” West, the owner of Bling Max Car Wash is choosing between installation of new equipment for blow-off, which will cost around $11,500 and would leave the car wash at risk. The loan requires taking out equity of the car wash and additionally paying 6.5 percent interest. The problem of not taking out the loan is that, if any competitor opens up nearby it is possible that some of the customers might choose the other car wash service. Currently, the business is doing well with business cost 35% of the business revenue. But, ...

[First Last Name]

English [Number]

[Date Month Year]

1. History
Deutsche Lufthansa AG is one of the leading airlines worldwide and the largest in Germany. It resulted from the merger of Deutscher Aero Lloyd and Junkers Luftverkehr on 6 January 1926 (“1920s” n. p.). By 1931, it served Paris, Barcelona, Rome, and Oslo, accounting for a third of all passenger travel in Europe. Its operations stopped in the Second World War, near the war’s end, and formally dissolved in 1951. It resumed in 1954 as a new entity called Aktiengesellschaft fur Luftverkehrsbedarf or Luftag. In April 1955, it started its transatlantic ...

Introduction

Most business enterprises are normally creations of ingenious business minds that make difficult financial decisions in order to take the business to the next level. In most occasions, only businesses with spectacular principles and competitive managers have an edge over competitors thereby staying in a market. An important aspect of a business is its mode of financing which can either be equity or debt business financing. This paper gives a comprehensive discussion on the advantages and disadvantages of both equity and debt as business financing strategies. Additionally, the paper gives a recommendation on the decision of AMSC to settle for equity financing.

Discussion

Advantages ...

Tom Jackson works at bank that is frequently experiencing delays in processing of loans due to regular errors and mistakes caused by employees. After witnessing an astounding level of operational quality and customer satisfaction at a hospital, Tom Jackson wants to know if similar levels of operational excellence can be achieved at his bank. This case study analysis the possible causes of errors leading to poor performance and offers solutions for the same.

Banks generally require a lot of paper work to be handed in on the part of applicants for loans to be processed. All of this data is then ...

Corporate Finance

Answer 1)
Compound Annual Growth refers to growth over the years and is calculated by adding each year growth to the original amount. As for the sales of the company, the compounded growth rate for sales over 5 years time horizon is 11.05%. In other words, starting with the year 2000, when the sales of the company were $600000, by the end of 5 years, the sales of the company following 11.05% growth rate had increased to $1013376.
However, the net income of the company grew with annual compound rate of -136.10%. In other words, there was ...

- Identify the problem they have now or will have in the future.
The first problem which the couple is currently facing is overspending. After deducting all the expenses which the couple is incurring monthly from their total combined income, John and Mary are incurring a monthly deficit of $3,317.95. This computation is based on the net earnings of the couple after deducting income tax and voluntary superannuation contribution, which both John and Mary participate in (ATO, 2014). This is in spite of the numerous income sources which they individually have and bearing in mind also that they ...

Bank of America

Bank of America is a national giant in the financial sector. It offers a wide range of banking and non-banking services, not only in the United States of America, but in the entire world. It has six main business segments. These are: Global Commercial Banking, Deposits, Global Wealth and Investment Management, Card Services, Global Banking and Markets and Consumer Real Estate Services. In the stocks, the American Bank has a record of good performance. Currently at the stock market, the share price stands at $ 11.33. The organization structure is functional based, that is, segmented according to services and client groups. Currently, it ...

1. What is the value of Calaveras Vineyards? Is the proposed purchase price for Calaveras Vineyards appropriate?

The current management of Calaveras Vineyards is looking to acquire the company from its current owner Stouts PLC. To do so, the proponents are seeking a $4.5 million loan and a revolving credit. Goldengate Capital was asked by NationalBank Investments to participate in the syndicated loan, providing $2 million in debt and a revolving credit amounting to $2.5 million.

Stout PLC’s books indicates a value of $ 7 million for Calaveras Vineyard and a fair market appraisal has put the company’s asset value somewhere between 5 ...

A.
This case is about morals and employer versus employee conflict of interest. Its focal point is twenty eight years old, Elaine Hunt--a recently promoted senior financial manager--whose husband, Dennis is involved in export-import business. Being in charge of ten branch loan office managers, Elaine Hunt is charged with the responsibility of signing–off loans well over $500,000. Nonetheless, the signing off of larger loans must be authenticated by the United Bank Cooperation’s vice president. The case focuses principally on conflicting morals. It is evident that Elaine Hunt makes several financial business decisions which are impacting ...

Abstract

The world is characterized by different kinds of organizations which have different obligations that they carry out. In order for the organizations to run smoothly, they must have capital to sustain their activities or rather to fulfill their obligations. It is quite unfortunate that many of the organizations are normally characterized with lack of funds to carry out their activities. Presbyterian Homes Inc. is one such organization which is affected by lack of funds. For this reason, its members opted to look for an alternative and that is to apply for a loan to some of the markets for credits ...

Calculate & analyze current ratios and acid test

Financial ratios are an integral part of any business, which help to quantify various aspects of company’s operations and performance. When making a decision on the loan, creditors usually consider liquidity ratios in their analysis. Such ratios help to understand whether the company is able to repay its debt by converting its short-term non-cash assets into cash. The higher liquidity ratios are, the safer it is to give loans to this company. Current ratio and acid-test ratio are among the most commonly used ratios for liquidity analysis. Current ratio can be calculated as a ratio of current assets to current ...

Question 1: Why Cartwright Lumber Company needs cash

Despite the profitability of Cartwright Lumber Company, it still faces cash flow challenges. The financial statements indicate that the company has a low balance in its cash account. Profitability does not necessarily mean the firm has a stable cash flow. The income statements indicate that Cartwright Lumber has been profitable in each of the years from 2001. The net income has increased from $31,000 in 2001 to $44,000 in 2003. However, its cash balance has declined in each of the years. Large sales and profitability do not automatically translate into cash flows. The company has large balances ...

Current Challenges

JC Penney is a mid-size departmental store operator that is struggling with a myriad of challenges, among them, a tough operating environment, reduced sales and financial challenges. The retail has seen increased competition with the rise of e-commerce and companies like Amazon and E-Bay. In the last ten years, for instance, JC Penney stock has lost 86% of its value, from a high of $83.43 in March 2007 to a low of $7.70 in May 2016. In May 2016, the company announced a drop in sales in the first quarter, 2016. However, the company cut down on losses, from ...

a)
The ratio of average equity to the average assets improved in the last five years from 2010 to 2014. The value increased from 8.30% to 10.37%, the previous value for a company in the financial sector as banking is a value over the average value of the industry of 10%. A higher ratio of equity over assets gives the confidence to the clients that the bank has at least one dollar per ten dollars that the company “owns” to the clients in the form of deposits.
The ratio of return on average assets improved slightly from 1.10% to ...

Introduction - Director’s duties

Even though the law recognizes corporations as separate and distinct entities from the owners, it nevertheless recognizes that corporations act through people. Such people are referred to as directors and manage the activities of a corporation. In Lennard’s Carrying Co. v. Asiatic Petroleum Co. Ltd, the court observed that directors are the directing mind and will of the company. Accordingly, directors of a company act for and behalf of the company, and as such owe several duties to the company.
These duties are at common law and also statutorily provided for. In the U.S., there is no single statute ...

The taxation of the capital gains made during the disposal of the property by James will be considered under the Income Tax Assessment Act of 1997, section 104-105 which deals with capital gains for individuals. This is wholly embedded in the Goods and services Tax act of 1999 (div 9-11). Using this act, considerations will be made on each tax event under the capital gains tax and analysis made on how each will be treated under the act. In the disposal of the property, either a capital gain or a capital loss is made, and such a gain or loss will have to ...

Business Law: Case Analysis

Business Law: Case Analysis
Bank of New York Mellon Trust v. Morgan Stanley Mortgage 14-2619 (2016)
The facts of this case in brief are that the plaintiff Bank alleged that the defendant had breached its contract with it involving a mortgage loan agreement. The defendant on the other hand alleged that they were not obliged contractually to repurchase the mortgage due to the fact that the contract was vitiated by misrepresentation. The background of the case is that the parties entered into an agreement a mortgage loan agreement and the defendant then defaulted on the loan and the bank ...

Community bank is an independent, small and locally-owned commercial bank, which operates and obtains its funds solely from the community, where it is based.
Community banks focus on providing traditional banking, derive deposits locally and mostly make loans to local businesses. It is widely known that today community banks provide most of the loans to our nation's small businesses and are an important financial resource to small cities. Because of that and because of the fact that they have knowledge of their local community and their customers, they are called “relationship” banks. They base their credit and loan decisions ...

Wellfleet bank faces a number of risks that include credit risk, political risk, reputation risk, market risk, country risk, operational risk, liquidity risk, and compliance risk. In reviewing the proposal to extend a credit facility of $1 billion to Gatwick Gold Corporation (GGC), the bank is facing credit risk, liquidity risk, reputation risk, and operational risk.
GGC is requesting the $1 billion credit facility in order to redeem a convertible bond that had a conversion price of $65 per share. Wellfleet expect that GGC will draw the entire $1 billion and in case of default, the loss would be ...

Q1 (a) Cash Flow Statement for the period 1 Jan 2015 to 31 December 2015

The missing/modified figures (as shown in yellow in the cash flow statement) are calculated as follows:
Employment income,
Keaton,
Given,
Gross Salary and Bonus= $120,000.00

Alyssa,

Given total salary and bonus=$64,800

Half paid in Aus and half in Singapore,

Thus her Salary and bonus paid in Singapore=$32,400

Employer’s CPF contribution,

Keaton- 37 % of 120,000=$44400
Alyssa- 20% of $32,400=$6480

Dividend and rental income

Dividend – Keaton-No dividend in 2015
Alyssa, $689 in 2015
Rental income
Keaton and Alyssa combined rental income for property in Singapore registered under joint tenancy agreement is $3,050 per month or $36600 for the year.

The portion of CPF and cash used for the housing installment is as mentioned below.

Total housing installment =$4099

Keaton:

Total monthly income=$10, ...

Today, almost seven years after the financial crisis that threw America into upheaval in 2008, the effects are still being felt. In September 2008, the collapse of Lehman Brothers, a global bank, nearly caused the collapse of the financial system of the entire world. What resulted was the worst economic downturn seen by the world since the Great Depression, 80 years ago. The event has been called the Global Financial Crisis and the 2008 Financial Crisis; the period following the collapse became known as the Great Recession.

While the ...

MEMORANDUM

RE : MONFORTE DAIRY
Executive Summary
This discussion is an analysis of Monforte Dairy and recommendation of strategies that the company can implement in order to exploit growth opportunities. Presently the company strengths are attributed to customer loyalty and brand awareness. Recently, the company suffered a huge amount of inadequate capital exposing a weakness for the company as loan lending banks considered the situation as risky.
The setback, however, presents an opportunity for the company to grow in the artisan cheese industry as well as introduce new products. With reference to produce, Monforte is faced with limitations on ...

Neighbor Works, Cleveland, Ohio. Neighbor works America also known as Neighborhood Reinvestment Cooperation started as Neighborhood Housing Services of Pittsburgh. Its inception is believed to be in the year 1968 when a central north side resident of Pittsburgh Dorothy Mae started campaigning for better housing in the neighborhood. It is a non-profit organization that was congressionally charted during 1978 to provide housing services and programs in the state cities. The organization has a branch in Cleveland. It has been providing excellent services and programs for more than thirty-seven years to the residents of northeast Ohio. It is made up of more than ...

Clarkson Lumber is a young company that needs many sources of finance to keep running its operations. However, recently a bank has denied Clarkson Lumber a financing of $750,000. This is a big loss for the company. The company is highly geared with the leverage of $1 amount of debt for every $1 of equity invested. The current ratio of the company is also in a bad condition signifying working capital difficulties. For every $1 in current liability, the company has only $0.6 in current assets. This situation is very alarming. In future, if the creditors of the company ask Clarkson Lumber to ...

Overview of the Problem

Wells Fargo is the sixth company that consumers voted as having the worst customer service in 2012 (Aho, 2012), with 18% of the surveyed customers rating the bank’s services as poor or fair (Aho, 2012).
Established in 1929, Wells Fargo is a diversified financial services company with three operating segments, namely Community Banking, Brokerage and Retirement, and Wholesale Banking and Wealth (Reuters, n.d.). It provides corporate, commercial, and retail banking services through banking stores and offices, businesses and institutions, the Internet, and other distribution channels. In addition, the bank provides other types of financial services through subsidiaries that ...

Financial crisis is an economic status where there are extreme difficulties. One of the economies that experienced adverse effects as a result of the crisis is the United States. The country faced extensive challenges that influenced the livelihood of the entire nation. However, it remains a challenge on who was the main cause of the financial crisis that left the economy of the United States immersed to extensive depression. The main groups that have been associated with the crisis are the government, Wall Street investors as well as American homeowners. Some analysts argued that the government was unable to control the ...

Introduction

This case study is devoted to the analysis of the current position of the Capital One Bank. The Bank has recently faced problems connected with mortgage process flow caused by inefficient internal communication. The Bank even stopped taking applications because of negative impact on customers.
A detailed implementation plan will be developed to resolve the issues the Bank faced. The improvement of the processes will include several operations management techniques. The resources needed for implementation of the plan will be identified on the basement of analysis of actual data. Short-term and long-term implications of the operations techniques will ...

1).
Underwriter model exists where a company contracts another financial institution to offer its securities for sale to interested investors the risk associated with this is the company issuing its securities will have to pay the financial institution some commission which might end up reducing the expected amount by the issuing company and is more riskier if the two parties don’t agree on a eat stock status which might see the issuing company get back it unsold securities. The investment model is where by the issuing company decides to sell its securities directly to the investors the risk with ...

Want Beverages strengths

Want Beverages is a beverage company based in Burlington, Ontario owned by Bill and Angela Moffat. Even though the company owners could clearly picture where they want their company to be in the next few years, they are not sure of the means of making it get there. Strengths are those attributes that will enable the firm to increase its sales to a level that will ensure success in achieving its long-term goals. The firm operates in a dynamic industry, which requires it to position itself to achieve a competitive edge over other competitors (Fredrick and Gary, 2011).

The Moffats have represented various ...

Abstract

Many individuals who have had great ideas have in most cases fallen short of their dreams mainly due to the fact that they could not find proper funding for their dreams. In most cases, there has been procrastination of startup of a business venture with the notion that in the near or distant future, there will be available funds to kick start the venture. To their disappointment, there have been stricter demands for loans and other financial assistance from lending institutions like commercial banks coupled with ever increasing interest rates on the loans applied for mainly due to financial crisis ...

Various Issues Relating to the Corporations Act and their Effects on Directors and their Duties

The directors are required by the Corporations Act 2001 not to do anything that requires disclosure to investors. If they fail to do so they are held liable by Sec 45 of the Corporations Act that stipulates the governance of a small proprietary company. According to Peter the constitution of Kandy K restricts the directors to facilitating a loan of not more than one million dollars unless the members pass the resolution in a general meeting as was the case in Howard v Patent Ivory Manufacturing Co (1888) where the decision by the directors to borrow over the stipulated limit was nullified. ...

About the report

The objective of this report is to assist One-World Investment Consortium, who is planning to invest £150 million in Thomas Cook PLC, a British global travel company listed on the London Stock Exchange under the ticker sign of ‘TCG’. We duly understand the impact of our professional recommendation on Consortium’s final decision making related to investment, and therefore, we intend to be comprehensive in the approach our analysis.
As for the structure of this report, it will be a two-part report. In the first section of the report, we will evaluate the past 5 year(2007-2011) financial performance ...

A unit trust is a form of a collective investment scheme that allows investors to pool their money for the purpose of investing in the Malaysian stock market and other approved investment portfolios (Hassan, 2016). The unit consists of three parties, the fund manager, the trustee, and the unit holder (Hassan, 2016). A unit trust is governed by a trust deed that outlines the objectives of the fund, the investment style, and the relationship between the unit holders, the fund manager, and the trustees (Fabozzi and Markowitz, 2011). The fund manager is responsible of investing the funds of the ...

Introduction

It goes without saying that economics and government go hand-in-hand in when it comes to controlling the economy of a certain country. While the government may impose limits and restrictions on how the economy should be run, it is recommended that these decisions are in line with economical ones so as to ensure that the general economy runs smoothly. On the other hand, the economy should also be kept in check by the government so that goods, products, and services will remain affordable and within reasonable price.
One concept in economics in which the relationship between the field of ...

Company and Situation

According to Cadieux (2010) the worst recession since the 1930s started at the end of 2007 and was at its peak by the fall of 2008. Several businesses were shattered are some were facing serious economic challenges because of the financial crisis. Government offered various bailed out packages to save financial institutions from huge loss. The packages were offered by providing loans, equity, and guarantees. Goldman Sachs was one of the companies that suffered a great loss. Goldman Sachs is an American financial institution that provides financial services to its clients globally. Goldman Sachs took part in cheap credit ...

Insurable interest

Jeff had an insurable interest in the building at the time of the loss. Jeff owns the building and stores its inventory as well as operating a restaurant in the building. When fire destroyed the building, Jeff suffers a financial loss including the loss of revenue from the restaurant business. Therefore, he has an insurable interest in the building.
Richard does not have an insurable interest in the building at the time of the loss. A person can only have an insurable interest in a property if the loss or damage to the property results in a financial loss ...

Delhi-Mumbai Dedicated Freight Corridor

Summary
The study is based on the basis that large infrastructure projects, like the proposed Dedicated Freight Corridor (DFC), are essential drivers of the state economy and have significant implications for attaining low-carbon expansion goals. The intention of the study is based on whether the DFC project would concurrently support sustainable development, reduce freight traffic, and decrease carbon releases. For that reason, it would be a worthy project supporting development policies and climate change strategies at the end. Also, other massive infrastructure of this kind could formulate a strategy background for attaining the aims of low-carbon transportation and sustainable ...

Introduction

This paper presents a detailed analysis about Southwest Airlines starting from how they started and how they reached their current position. It describes their strategic planning, their sources of capital, their market growth, their marketing planning and many other things. It also gives a complete detailed note on their successes and failures and which factors have led to their failures and successes of Southwest Airlines. The culture and the behavior of their employees is an important factor. In short it covers all the factors that are important to the success of an organization will be discussed in detail.

Rolling ...

About the report

The report is commissioned to discuss the possible financing options for Outdoor Limited which is currently seeking external funding for expansion purpose and is also likely to face liquidity issues once three of its five investors, liquidate their holdings. Henceforth, each of the possible sources of funds will be evaluated considering the present situation of the company
The second part of the report will be used to discuss the tools of foreign exchange risk management as the company is exposed to FX risk, citing an outward transaction as part of which it will be paying $2 million in six ...

Given the harsh economic time, state of the economy and the rise in basic commodity prices such as food, fuel and cost of housing, personal finances has become a hot topic for a while. Many people live a debt-ridden life mainly on unsecured credit instruments like credit cards. In the financial market, so many other credit instruments are available to provide money to borrowers for many different reasons.

Modern financial systems are extremely complex with markets being made up of many forms of investment instruments and different kinds of investors. This has made the financial market extremely difficult to analyses especially when ...

Individual Case Complete: Bank of America

Executive summary
Mission and Vision Evaluation: The Company has maintained a plausible vision and mission statement that focuses on ensuring that it develops customer centric financial products and services that are innovatively based. Thus, through the company vision and mission statement, it has managed to ensure growth and market capture.
Milestones: Among the most fundamental milestones, the organization has sustained a top position in the banking industry despite the prospect of financial crisis across US. The plausible performance has been as a result of effective policy statement that is centered on operational Excellency. With millions of customers across US, the ...

Introduction Joint tenancy refers to a situation whereby a group of two or more people hold title to a property. On the other hand, joint tenancy with rights of survivorship means that in case of one of the joint owner's death the surviving partner acquires the title to the property. For this case, Martin is the only surviving owner to the property as all the friends are now deceased.
When you bought the property under joint tenancy, it meant that all the four of you held title to the property. Your purchase included the right of survivorship which means that the ...

Question 1

The Purpose and Usefulness of the Income Statement in Assessing Business Performance
Income statement is a financial document that attempts to measure financial performance of an organization over a specified accounting period. The major purpose and usefulness of an income statement is to summarize the business revenue stream and expenses by categorizing activities into operating and non-operating accounts. Income statement is useful in business performance assessment by showing any net loss or profit earned over a specified accounting year or a quarter .
The operating section of income statement is important to assess business performance of Sportswear-Kit since it discloses information about ...

Masri Toy Company Case Analysis

Introduction
Masri Toy Company is a family business registered in 1983 to create, design and distribute children toys and books to other retail firms spread out over several regions around the country. The business since it was established had been under the management of Samir’s father until 2008 when he died. One of the sons (Samir Masri) took over the management and leadership of the business from that point forward. Prior to the father’s death, the business performance had taken a declining trend a fact that even the father kept worried, however for the year 2009 to 2010, the ...