eksamen imorgen. Hjælp til enkel udregning

Hejsa.

jeg skal til en eksamen imorgen, men mangler hvordan jeg laver Q17. Det er en prøveeksamen denne her, så svaret står nederst på siden her. Jeg har markeret de rigtige svar som skal bruges til udregningen. Jeg håber der er en som kan hjælpe mig med at vise hvordan de er kommet frem 70000 DKK og 400.000 DKK?

For the complete business model (the one with the bank plus the insurance products and the trading) the Online Banking department has come up with the following forecasts for the associated cost and income items:

Insurance addition:
New staff:                                              60.000 EURO/year
Hardware and software:                          40.000 EURO/year
Marketing cost:                              100.000  EURO/year
Cost per insurance:                      10 EURO/insurance (average)
Estimated fee collected per insurance:    50 EURO/insurance (average)

Trading addition:
New staff:                                 50.000  EURO/year
Hardware and software (security):            40.000 EURO/year
Cost of access to the trading platform:         40.000 EURO/year
Cost of transaction (average. per buy or sell):    1 EURO/transaction
Estimated fee collected per transaction:        4 EURO/transaction (average)

Question 13 - The breakeven for the insurance addition will be at:
1)    4000 insurances 
2)    4167 insurances 
3)    5000 insurances  -> Rigtig
4)    5125 insurances 
5)    6000 insurances 

Question 14 - The breakeven for the trading addition will be at:
1)    30000 transactions
2)    35717 transactions
3)    38000 transactions
4)    43333 transactions -> Rigtig
5)    45666 transactions

Make the assumption that the new business models were implemented and that after the first year of activity they recorded the following figures:

Insurance addition:
- Actual sales: 20.000 contracts
- Average collected fee 40 EUROs per contract,
- Other figures are as shown above.

Trading addition:
- Actual transaction: 100.000 transactions of buy/sell
- Average collected fee 3 EUROs per contract,
- Other figures are as shown above.

Question 15 - The actual amount of variable cost for the insurance service is:
1)    40.000 EUROs
2)    60.000 EUROs
3)    80.000 EUROs
4)    120.000 EUROs
5)    200.000 EUROs -> Rigtig

Question 16 - The actual amount of variable cost for the trading service is:
1)    40.000 EUROs
2)    60.000 EUROs
3)    80.000 EUROs
4)    100.000 EURO -> Rigtig
5)    200.000 EURO

Question 17 - Given these realized figures, what should the bank do in relation to the two services? Continue with both services? Or what? Use the figures from the  ‘realized' situation in your argumentation







The correct answer is that trading generates profits of 70.000 DKK while the insurance option generates profits of 400.000. Just do the calculations to reach this numbers. Both can be kept but the risk of keeping the trade option is higher


Mvh Mads