NAME: DORELYN ESCAMILLAN ALBIA

CODE: 798 TITLE: BA100

ULO c

Let’s Check

Activity 1

1. A
2. B
3. B
4. A
5. A
6. A
7. B
8. D
9. B
10. C

ACTIVITY 2

1. What is a Financial Institution?

A financial institution is sometimes called as banking institutions, these are
business entities which provide financial services to its customers. Financial
institutions like banks, insurance companies, credit unions, investment firms, or
any other type of company that offers financial services.
Financial institutions play a vital role in the economy. They provide
services to people to save and invest their money. They also help people borrow
money to buy things needed like shelter, foods, cars, etc. Moreover, financial
institutions help economy operate efficiently or function properly.
2. Enumerate financial institutions as follows:
A. Ten (10) Commercial/Universal Banks

1. Lank Bank of the Philippines (LBP)

2. Bank of the Philippine Islands (BPI)
3. Philippine National Bank (PNB)
4. Security Bank Corporation
5. Union Bank of the Philippines
6. BDO Unibank Inc.
7. East West banking Corp.
8. Citibank, N.A.
9. Robinson Bank Corporation
10. Development Bank of the Philippines (DBP)

B. Five (5) Savings Bank

1. BDO
2. Metrobank
3. BPI
4. Land Bank
5. Security Bank
C. Five (5) Foreign Banks
1. Bangkok Bank Public Co. Ltd.
 2. Bank of America NA.
3. Bank of China Ltd.-Manila Branch
4. Cathay United BankCo., Ltd.-Manila Branch
5. Chang Hwa Commercial Ban, Ltd.-Manila Branch

D. Five (5) Insurance Companies

1. Manulife Philippines
2. BDO Life Assce. Co., Inc (Generali Pilipinas Life)
3. Allianz PNB Life Insurance, Inc.
4. BPI-AIA Life Assurance Corporation
5. Sun Life of Canada (Pjilippines)
E. Five (5) Pawnshops
1. Cebuana Lhuillier
2. Palawan Pawnshop
3. Villarica Pawnshop
4. M Lhuillier
5. RD Pawnshop

ACTIVITY 3

1. C
2. D

IN A NUTSHELL

ACTIVITY 4

1. In other word, financial ratios are a method of identifying potential problems

and measuring the performance of your company.
2. A capital market is where individuals and entities borrow funds using bonds,
shares, etc.
3. Financial institutions help the economy operate efficiently by reducing the cost
of obtaining information about both savings and borrowing opportunities
4. Investments bankers provide financial advices to clients to save time and
money by identifying risks before doing the project.
ULO d

Activity 1

1. Time Value of Money (TVM)

2. Annuity
3. Compounding Periods
4. Time Horizon
5. Present Value (PV)
6. Future Value (FV)
7. PMT
8. Ordinary Annuity
9. Annual Due Annuity
10. n

ACTIVITY 2

A. Expound on the statement: A single amount of cash flow denotes an

individual with value arising at one point in time.

A single amount of cash flow denotes an individual with value arising at one point in
time. This value could from a variety of sources, like employment income,
investments, and other sources. The cash flow may be recurring or may be one time
event.

B. Why is Time Value of Money important to study in Financial Management?

Time Value of Money (TVM) is important to study in financial management
because it is key concept that underlies nearly all financial decision-making.
TVM states that a dollar can be invested and earn interest. This concept is
important in financial decision-making because it affects the present value of
cash flows.

IN A NUTSHELL

ACTIVITY 3

1. The notion that money you possess now has a value greater than the sum in
the future because of its probable capability to earn.
2. Why it must be remembered that an ordinary annuity will pay interest at the
end of a specific period, rather than at the beginning, as in an annuity due?
3. Because of time value of money today , sensible investors are more willing to
receive money than receiving the same sum in the future because money’s
probability has higher value over a stipulated period.