(CIA.Accting) 01a-Question Problem: 01 Problem Type: Calculate the change in (NI, OCI, Eq) due to the change in bond yield as given below.

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1 Paper: CIA.Accting (CIA.Accting) 01a-Question Problem: 01 Problem Type: Calculate the change in (NI, OCI, Eq) due to the change in bond yield as given below. Concept: chg(ni) = chg(pv(fvo)) - chg(apv(liabs)) chg(oci) = chg(pv(afs)) Concept: chg(eq) = chg(ni) + chg(oci) Given: data as of CY 2015 original bond yield: 5.50% * other bond info: next page MfAD(inv): 100 bps new bond yield: 6.50% 5.5%) for FVO bonds: 9, %) for AFS bonds: 39, %) for FVO bonds: 9, %) for AFS bonds: 39,209 see Acct.02ab NU: 27, %): 28,076 MfAD(clms): 14.00% 6.5%): 27,542 % cum pd at end of %

2 chg(ni) = 441 chg(oci) = -738 chg(eq) = -298 (CIA.Accting) 01b-Answer chg(ni) = = 441 chg(oci) = = = chg(eq)

3 Paper: Problem: Problem Type: CIA.Accting (CIA.Accting) 02a-Question 01a Calculate the PV of the cash flows for each class of bond at the ORIGINAL bond yield Concept: PRIOR TO maturity date: CF(bond) = coupon AT maturity date: CF(bond) = coupon + (par value) Given: PV date: 2015 * yr-end bond yield: 5.50% where coupon = (coupon rate) x (par value) bond #1 bond #2 bond #3 bond #4 class FVO AFS AFS AFS maturity * yr-end coupon rt 4.50% 4.50% 5.00% 3.50% # coupons/yr par value 10,000 13,000 13,000 15,000 Assume: All pmts are made AT THE END of the year

4 PV(FVO) = 9,905 PV(AFS) = 39,947 (CIA.Accting) 02b-Answer Totals Discounting timing bond #1 bond #2 bond #3 bond #4 FVO AFS FVO AFS ,450 13, ,450 14,760 9,905 13, , ,175 12, ,525 15,525 13, ,905 39,947

5 Paper: Problem: Problem Type: CIA.Accting (CIA.Accting) 03a-Question 01b Calculate the PV of the cash flows for each class of bond at the NEW bond yield Concept: PRIOR TO maturity date: CF(bond) = coupon AT maturity date: CF(bond) = coupon + (par value) Given: PV date: 2015 * yr-end bond yield: 6.50% where coupon = (coupon rate) x (par value) bond #1 bond #2 bond #3 bond #4 class FVO AFS AFS AFS maturity * yr-end coupon rt 4.50% 4.50% 5.00% 3.50% # coupons/yr par value 10,000 13,000 13,000 15,000 Assume: All pmts are made AT THE END of the year

6 PV(FVO) = 9,812 PV(AFS) = 39,209 (CIA.Accting) 03b-Answer Totals Discounting timing bond #1 bond #2 bond #3 bond #4 FVO AFS FVO AFS ,450 13, ,450 14,760 9,812 13, , ,175 12, ,525 15,525 12, ,812 39,209

7 Paper: Problem: Problem Type: CIA.Accting 02a Calculate APV(NU) at ORIGINAL bond yield (CIA.Accting) 04a-Question Note: This APV calc works slightly differently from MfAD: MfAD: - for given AY, use (unpd at end of CY, pmt pattern) to project future pmts assume pmts are made mid-year pull projected pmts back to end of CY (0.5, 1.5, 2.5, ) Here: - for given CY, use (unpd at end of CY, pmt pattern) to project future pmts pmts are made at end of year, pull projected pmts back to end of given CY (1, 2, 3, ) Assume: pmt are made at end-of-yr % cum pd Given: for AY: 2015 at end of % NU at 12 mths: 27,000 at end of % CU at 12 mths: 0 at end of % i: 5.5% MfAD(inv): 100 bps MfAD(clms): 14% MfAD(re): 0%

8 28,076 #REF! (CIA.Accting) 04b-Answer % pd in 5.5% 5.5% 4.50% 4.50% timing period NU disct'ing disct'ing x 27,000 / = 7, > 7, x 27,000 / = 8, > 8, x 27,000 / = 8, > 8,281 check ,216 24,686 x 14% MfAD(clms) 3,390 Now, SUM the beige highlighted cells to get APV: 28,076

9 Paper: Problem: Problem Type: CIA.Accting 02b Calculate APV(NU) at NEW bond yield (CIA.Accting) 05a-Question Note: This APV calc works slightly differently from MfAD: MfAD: - for given AY, use (unpd at end of CY, pmt pattern) to project future pmts assume pmts are made mid-year pull projected pmts back to end of CY (0.5, 1.5, 2.5, ) Here: - for given CY, use (unpd at end of CY, pmt pattern) to project future pmts pmts are made at end of year, pull projected pmts back to end of given CY (1, 2, 3, ) Assume: pmt are made at end-of-yr % cum pd Given: for AY: 2015 at end of % NU at 12 mths: 27,000 at end of % CU at 12 mths: 0 at end of % i: 6.5% MfAD(inv): 100 bps MfAD(clms): 14% MfAD(re): 0%

10 27,542 #REF! (CIA.Accting) 05b-Answer % pd in 6.5% 6.5% 5.50% 5.50% timing period NU disct'ing disct'ing x 27,000 / = 7, > 7, x 27,000 / = 8, > 8, x 27,000 / = 7, > 8,048 check ,760 24,216 x 14% MfAD(clms) 3,326 Now, SUM the beige highlighted cells to get APV: 27,542

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