Return on Investment and Residual Income Consider the following data (in millions) fromTrident Financial Inc., which has two main divisions, mortgage loans and consumer loans:[LO 19-1][LO 19-1, 19-2]Mortgage Loans Consumer LoansAverage total assets $2,000 $20,000Operating income $400 $2,500Return on investment (ROI) 20% 12.5%Required1. Based on ROI, which division is more successful? Why?2. Trident uses residual income (RI) as a measure of the financial performance of its divisions. What isthe RI for each division if the minimum desired rate of return is (a) 10%, (b) 15%, and (c) 20%? Whichdivision is more successful under each of these rates?

Essentials Of Investments
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Author:Bodie, Zvi, Kane, Alex, MARCUS, Alan J.
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Return on Investment and Residual Income Consider the following data (in millions) from
Trident Financial Inc., which has two main divisions, mortgage loans and consumer loans:
[LO 19-1]
[LO 19-1, 19-2]
Mortgage Loans Consumer Loans
Average total assets $2,000 $20,000
Operating income $400 $2,500
Return on investment (ROI) 20% 12.5%
Required
1. Based on ROI, which division is more successful? Why?
2. Trident uses residual income (RI) as a measure of the financial performance of its divisions. What is
the RI for each division if the minimum desired rate of return is (a) 10%, (b) 15%, and (c) 20%? Which
division is more successful under each of these rates?

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