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1. A firm has the following breakup of gross fixed assets- Land Building Plant a

ID: 2722782 • Letter: 1

Question

1. A firm has the following breakup of gross fixed assets-

Land
Building
Plant and Equipment Total

50,000 350,000 700,000

1,100,000

All depreciable assets are depreciated using straight line method over a 7 year period. Calculate the depreciation expense for the current year.

2. You are preparing the annual proforma statements for your firm for the period ending December 31, 2016. The balance sheet has three loans – short term loans of $75 million repayable after exactly 1 year @ 6% interest rate, old term loans of $264 million @ 9% and fresh borrowing of $95 million @ 12%. Assume that all borrowings are done on January 1 and interest is also payable on January 1 every year. Calculate the interest expense for the year 2016.

3. Your firm is considering two mutually exclusive projects with the following cash flows:

Year

Project A

Project B

0

$22,500.00

$50,000.00

1

$8,000.00

$15,000.00

2

$8,000.00

$15,000.00

3

$8,000.00

$15,000.00

4

$8,000.00

$15,000.00

5

$8,000.00

$15,000.00

6

$8,000.00

$15,000.00

Identify the discount rate ranges will the company prefer Project A, Project B and neither of the projects.

4. You have significant balances on your credit card which charges a very high interest rate. You want to transfer your balances to a new card and are reviewing 3 available offers.

Card 1 charges 1.582% per month

Card 2 charges 0.365% per week

Card 3 charges 0.052% per day

Calculate the APR and the EAIR for the three cards. Rank the cards in the order of desirability and the reason for the ranking.

5. Assume today is January 1, 2016. The snapshot of the balance sheet of Whimsical Groceries Inc. as of December 31, 2015 is

The firm project free cash flows of $ 1,760,000 in 2016 with a growth rate of 10% till 2020 and then at a steady 5% thereafter. The expected return on equity is 12%. The firm has one million shares outstanding. Calculate the share price today.

6. Your local bank has offered you a 20-year, $150,000 mortgage. The bank is charging 1.5 points and processing costs of $750, both deducted from loan at the time of disbursement. Payments on the mortgage are annual and are based on a 10% interest rate. The payments are made at the end of the year.

(a) Calculate the EAIR for the mortgage.
(b) What is the pay-off amount after 10 annual payments have been made?

Year

Project A

Project B

0

$22,500.00

$50,000.00

1

$8,000.00

$15,000.00

2

$8,000.00

$15,000.00

3

$8,000.00

$15,000.00

4

$8,000.00

$15,000.00

5

$8,000.00

$15,000.00

6

$8,000.00

$15,000.00

Explanation / Answer

1)

Depreciation for current year = Gross fixed assets/Number of years

= $1,100,000/7

= $157,143