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- Economic stealth bank has deposits of $700 million. And hold reserves of $20 million and has purchased government bonds worth $350 million. The banks loans, if sold at the current market value, would be worth $600 million. What is the value of the biggest total liabilities?11. Currently, deposits are insured by the FDIC up to ___________ per depositor per bank. Question 11 options: a) $1,000,000. b) $250,000. c) $10,000. d) $100,000.2. Customer information that may be sold by banks include all of the following, EXCEPT a. loan history b. investments c. public arrest record d. bank balance
- 22. Financial intermediaries develop ________ in things such as computer technology which allows them to lower transactions costs. Question 22 options: a) equity b) diversification c) regulations d) expertiseWhat is the main purpose of AMLC (Anti-Money Laundering Council? *a. Monitor all transactions of banks in the Philippines.b. None of the choices.c. Investigate the source or origin of funds for transactions P500,000 and above.d. Provide insurance for bank deposits.5. A companys customers are either old or new. A customer may be able or not able to provide an acceptable reference. The customer may either be known or not known to credit controller. A new customer who is able to provide an acceptable reference is allowed credit up to Sh. 1500,000. An old customer that is able to provide an acceptable reference is allowed credit up to Sh. 3500,000. A customer that is known is allowed a credit up to sh. 1,000,000. A customer could be an individual or a firm. A firm is guaranteed a credit of sh. 50,000 while an individual is guaranteed credit of sh. 20,000. Draw a decision table to express the above logic.
- 19. In order to reduce the ___________ problem in loan markets, bankers collect information from prospective borrowers to screen out the bad credit risks from the good ones before the contract is signed. Question 18 options: a) adverse lending. b) moral hazard c) moral suasion. d) adverse selection.QUESTION 6 The benefit of establishing a long-term relationship with your banker is to: A. Reduce the likely of moral hazard B. Diminish problems with asymmetric information C. Improve loan terms for the customer D. All of the aboveF4. Citizen's insurance is thinking about increasing their retention (deductible) from $1 Billion to $2 Billion. What are possible reasons for this strategy? Select all that apply Reinsurance costs have decreased Reinsurance costs have increased They may have more capital than before They may have less capital than before
- First National Bank Assets Liabilities Rate-sensitive $40 million $50 million Fixed-rate $60 million $50 million If interest rates rise by 5 percentage points, say from 10 to 15%, bank profits (measured using gap analysis) willQuestions a) regulations of Labuan offshore financial centers? b) Explain the regulatory initiatives by offshore centers done in dealing with various risks faced by the offshore banking industry? c) The relationship between offshore banking and money laundering?1. Credit reports: A. Only report credit history under your current name B. Only report payments that were made on time C. Can only be secured without your permission D. Show any liens, foreclosures, or bankruptcies 2. Investments: A. Are the same as savings B. Should be a priority when receiving a paycheck C. Both Are the same as savings and Should be a priority when receiving a paycheck D. None of these 3. An example of a personal asset is a: A. Job B. Paycheck C. Car D. All of these E. None of these
