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Depositing money into a commercial bank is investing in a
a.secondary market.
b.subprime market.
c.predatory lending market.
d.primary market.
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- Which of the following is the function of the financial market ? Select one : a . It decides the interest rate b . It makes loan available c . It channels funds from lenders - savers to borrowers - spenders D. None of theseWhich one is not the core functions of investment bank? * a.Selling of securities b. Accepting deposits c. Advisory services d. Marketing of securitiesWhat are the advantages and disadvantages of direct lending for the bank?
- which of the following source of finance relates to suppliers ? a.Commercial Paper b.Bank Overdraft c.Trade credit d.Credit cardWhich among the following is not a function of a bank? a. Issuing demand drafts b. Paying interest on deposits c. Sale of tangible goods d. Investing in securitiesExamples of off-balance-sheet activities include foreign exchange market transactions. Oborrowing from other banks. O extending loans to depositors. discount window operations.
- When a bank grants a consumer loan to someone, it leads to: a. an indirect flow of funds O b. a rise in the bank's liabilities Oc a direct flow of funds Od. a rise in the bank's interest expenseA deposit institution can offset its liquidity risk to reduce its net deposit drains by reducing its assets through all of the following methods except: a. Borrowing funds or issuing equity. b. Calling back its loans. c. Use cash reserve. d. Selling securities.If a bank uses credit risk score to determine who will receive a loan, the credit risk score would be considered the: A. dependent variable B. independent variable C. response variable D. classification variable
- a. Bank loans are classified as investment-grade and leveraged bank loans. Explain the difference between these two types of loans. b. Which of the two types of bank loans is typically sold and traded in the secondary market?A bank wants to implement a loan pricing model and has to look at several variables to consider. Please select the variable that is incorrectly described. a. A profit margin to provide the bank with an adequate return on capital. b. Risk premium to counter the effect of default risk. c. Cost of funding that include the cost of bonds issued. d. Operating costs that include the cost of interest paid to depositors.Explain how commercial bank mange it balance sheet to maximize its profit without affecting the liquidity.
