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Institution: Goldman Sachs
What information is on the home page of the financialinstitution?- how is the financial instution different from atypical non-financial institution? - what is the product, market,organization of the financial institution you are studying?

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Casey Durgan
Casey DurganLv2
28 Sep 2019
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1. Evaluate what banking services are most important to you with a score of "10" for the most important and "1" for the least. You must score a commercial bank, savings institution, credit union, and two other institutions from 1-10 on what is important. Then with the five institutions with respect to the services offered, rate the institutions from "5" as the best for that service to "1" as the worst. Two parts: Rate the services from 1=10 and rate the institutions from 1-5 with the services that are offered. The template will calculate scores for each institution. Banking Services Scorecard COMMERCIAL BANK SAVINGS INSTITUTION CREDIT UNION INSTITUTION 4 INSTITUTION 5 SERVICES OFFERED PRIORITY RANK SCORE RANK SCORE RANK SCORE RANK SCORE RANK SCORE 1. Hours of operations - evenings, Saturdays 2. Locations - proximity to work and home 3. Fees/Minimum balance for checking accounts 4. Fees for ATM usage 5. Interest rate on savings accounts 6. Interest rate on checking accounts 7. VISA/MasterCard available and annual fee 8. Interest rate on home loans 9. Interest rate on car loans 10. Safety deposit boxes and rental rates TOTAL SCORE FOR EACH INSTITUTION Decisions 1. Describe the services and characteristics that are of prime importance to you in a financial institution. 2. Which of the financial institutions you evaluated is most optimal for your needs? Why?

I wanted to use PNC Bank, Metropolitan Savings Bank, any credit union, Charles Swaab for an institution and any other kind for the fifth institution. Have to rate the 5 from 1=10 with the 10 services listed and Then with the five institutions with respect to the services offered, rate the institutions from "5" as the best for that service to "1" as the worst Please answer these questions Describe the services and characteristics that are of prime importance to you in a financial institution. 2. Which of the financial institutions you evaluated is most optimal for your needs? Why?

Which of the following is a primary market transaction?

a) You sell 200 shares of IBM stock on the NYSE through your broker.
b) You buy 200 shares of IBM stock from your brother. The trade is not made through a broker--you just give him cash and he gives you the stock.
c) IBM issues 2,000,000 shares of new stock and sells them to the public through an investment banker.
d) One financial institution buys 200,000 shares of IBM stock from another institution. An investment banker arranges the transaction.
e) IBM sells 2,000,000 shares of treasury stock to its employees when they exercise options that were granted in prior years.


Please show work and how you arrived at your conclusion.
The assignment may be submitted as an Excel spreadsheet or an electronic (Word or PDF) document.

2. A financial institution is planning to give a loan of $5 million to a firm. It expects to charge an up-front fee of 0.20%
and a service fee of 5 basis points. The loan has a maturity of 8 years. The cost of funds for the financial institution is 10%.
The FI has estimated a risk premium of 0.15%. The current market interest rates for this type of loan is 10.1%.
The 99th (extreme case) loss rate for borrowers of this type has historically run at 4%.
The dollar proportion of loans of this type that cannot be recaptured on default has historically been 85%.
Using the RAROC model, would you recommend that the FI make this loan? Why?

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