D363 Student Review Guide

Consider the balance sheet for Inspired to Thrive (IT) Bank below: Inspired to Thrive Bank Balance Sheet as at December 31, 2021 Assets SLiabilities and Owner's Equity 275 Deposits 1,105 Debts 660 Owner's Equity Reserves 1,550.00 Loans 340.00 Securities 150.00 2,040 2,040.00 What is the leverage ratio of IT bank? Why is this ratio significant to the bank's operation?

Provide brief answers

14) Commercial banks grant short-term finance to business firms which is known as __________. a. Institutional credit b. Personal credit c. All d. Bank credit

Your friend Binna has a money market mutual fund​ account, automatic deposit of her paycheck into an​ interest-bearing checking account at the company credit​ union, and a CD from the local branch of a bank that advertises​ "coast-to-coast" banking. What is the benefit of​ "mixing and​ matching" financial institutions and their​ services?       Question content area bottom Part 1 What is the benefit of​ "mixing and​ matching" financial institutions and their​ services?  ​(Choose all that​ apply.)     A. Increasing the flexibility of managing funds.   B. Increasing risk due to increased investments.   C. Minimizing service charges and other fees.   D. Maximizing the returns and features from combined accounts.

Use the following information regarding the allocation of loan portfolios in different sectors for questions 1 - 2. Real Estate Commercial and Industrial Loans to Individuals Non-Depository Other National Banks O 1.99% O 6.30% O 3.97% 6.17% O 7,46% 38.66% 25.19% 13.38% 13.98% 8.79% Bank A 49.36% 28.80% 7.64% 8.88% 5.32% Bank B 35.06% 19.88% 28.93% 14.73% 1.40% What is Bank A's standard deviation of its asset allocation proportions relative to the national banks' average?

Choose the letter The financial markets are composed of money markets and _____________. *a. lending institutionsb. lendersc. capital marketsd. Creditorse. Banking Institutions

Suppose that: Banks Debt Ratio Total Liabilities Total Capital Net Income Bank Alpha 1.50 $3,106,717m $279,354m $27,410m Bank Beta 1.39 $2,059,798m $200,523m $11,370m Which one is the best performing bank? a. Bank Alphab. Bank Betac. Both Banks

Answer the following questions: a. Find the profit of the investment b. Find share of the bank from the profit c. Find the weightage average in the three provided boxes d. Find the profit for each type of deposit e. Find the profit rate for each deposit

Calculate: Funds management efficiency Operating efficiency ratio   What strengths and weaknesses are you able to detect in SME’s performance?

Voice Sensitivity QUESTION ONE Explain THREE (3) characteristics of Shariah compliant banking and financial system. (a) (b) Explain sources of fund and uses of fund of Islamic banking and finance. (c) List FOUR (4) components of income statement of the Islamic bank. (d) Briefly describe TWO (2) functions of the commercial bank.

From a review of the information above identify the areas which you would concentrate on in your analysis of the postion of Bepler ltd.

Testbank, Question 25 Common types of short-term finance include: O paid taxes and trade credit. accrued wages and floor-plan finance. O bank overdrafts and trade debit. O commercial bills and bank under-drafts.

Match the intermediary with the characteristic that best describes its function.I. Provide protection from adverse eventsII. Pool funds of small savers and invest in either money or capital marketsIII. Provide consumer loans and real estate loans funded by depositsIV. Accumulate and transfer wealth from work period to retirement periodV. Underwrite and trade securities and provide brokerage services1. Thrifts2. Insurers3. Pension funds4. Securities firms and investment banks5. Mutual funds    A. 1, 3, 2, 5, 4B. 4, 2, 3, 5, 1C. 2, 5, 1, 3, 4D. 2, 4, 5, 3, 1E. 5, 1, 3, 2, 4

Give detailed explanation

Give typing answer with explanation and conclusion  When a bank increases its fed funds sold, its deposit balance in the Fed will _________ ; when a bank's deposit balance in the Fed increases, the bank has increased its fed funds______   Group of answer choices   increase; purchased   increase; sold   decrease; purchased   decrease; sold

Evaluate the importance of managing credit risk management framework of a bank appropriately and discuss the different sources of credit risks in a banking institution? Discuss the 5 Cs of credit risk management of a banking institutions?

Which of the following is a fund based financial service? O a. Merchant Banking O b. Issue Management O c. Credit Rating O d. Consumer Credit

28. A financial institution that obtains most of its funds from deposits is a/an: A. investment bank B. commercial bank C. unit trust D. general insurer

Please correct answer and don't use hand raiting

A bank has the following balance sheet: Assets Liabilities Cash 100 Deposits 600 Government bonds 100 Long term debt 185 Secured mortgages 200 Common Equity 15 Commercial loans 400 All questions are for Basel U. a) Calculate risk weighted assets. b) Does the bank satisfy capital requirements under Basel I? If the bank does not satisfy the requirement, what should it do? Give two examples and show your calculations.

Borrowing of reserve fund by Bank means a. To meet the customers need for business loans b. Overnight borrowing by banks to provide customers short term loans c. Borrowing by banks to meet unexpected rise in customers withdrawal d. Overnight borrowing by banks to meet customers deposit

Arrange the following information on Bank X into its income statement. Label and place each item in the appropriate category, in the appropriate order. Commission ,exchange and brokerage received.Income on InvestmentsInterest paid on depositsPayments to and provisions for employeesInterest paid on BBI/ interbank borrowingsInterest/discount received on advances/billsIncome from leasing/hire purchaseInterest paid-othersProfit on exchange transactionsRent, taxes, lightingInsuranceLaw chargesProfit on sale of land, buildings and other assetsMiscellaneous incomeAuditor’s fees and expensesPrinting and stationaryProfit on sale of investmentsDepreciation on bank’s propertyIncome by way of dividends and subsidiariesAdvertisement and PublicityInterest earned – othersDirector’s fees, allowances and expensesMiscellaneous incomeRepairs and maintenanceOther expensesPostage, telegram, telephone and other communication expensesInterest received on balances with RBI and interbank funds

What are five recommendations for banks to enhance their operations and banking services ?

A bank is considering implementing a business rules management system for assessing the riskand creditworthiness of individuals as part of the loan approval process.• List and explain 3 benefits of such a system?• List 2 potential legal or ethical issues that might arise in the use of such a system

16) Modern commercial banks secondary service include:

According to IAS 32 Financial Instruments: Presentation, which of the following could be classified as financial assets?   Bank overdraft Cash at bank Inventories A current asset investment A forward contract