Read each statement carefully and determine whether the statement is true or false. 1. When commercial banks issue bonds, these financial intermediaries involve directly in the financial market.
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- Which is not true about the Banko Sentral ng Pilipinas and the Philippine banking industry? a. Banks are engaged in lending of cash which were acquired from the public the form of deposits b. One of the powers that the Universal bank can exercise includes the power of an investment house c. The members of the monetary board of the Banko Sentral ng Pilipinas is appointed by the president of the Philippines d. Banko Sentral ng Pilipinas is the primary government agency that facilitates the planning and implementation of fiscal policiesBanking is generally a highly regulated industry, and government restrictions on financial activities by banks have varied over time and locations. You have been appointed as an adviser to the governor of Bank of Ghana (BoG), outline and critically discuss five (5) common justification or rationale of bank regulations.Which of the following statements is CORRECT? A. Capital market instruments include both mortgages and U.S. Treasury bonds. B. An example of a primary market transaction would be your uncle transferring 100 shares of Wal-Mart stock to you as a birthday gift. C. The NYSE does not exist as a physical location. Rather it represents a loose collection of dealers who trade stock electronically. D. While the two frequently perform similar functions, investment banks generally specialize in lending money, whereas commercial banks generally help companies raise large blocks of capital from investors.
- 17. Which of the following is not an asset of a bank?a.business depositsb.consumer loansc.deposits in other banksd.government securitiese.All of the above are bank assets. 18. Unlike the United States, many countries grant their banks the authority fora.full merchant banking, including investment banking and ownership of companies to whichthey lend.b.deposit banking.c.forming bank holding companies.d.lending to foreign companies and countries.Which is not true about the Banko Sentral ng Pilipinas and the Philippine banking industry? Banko Sentral ng Pilipinas is the primary government agency that facilitates the planning and implementation of fiscal policies Banks are engaged in lending of cash which were acquired from the public the form of deposits The members of the monetary board of the Banko Sentral ng Pilipinas is appointed by the president of the Philippines One of the powers that the Universal bank can exercise includes the power of an investment housePrivate mortgage insurance is used to a. to ensure timely payments of escrow, taxes, and other fixed charges. b. reduce the default risk to lenders c. protect borrowers if they cannot make periodic payments d. in lieu of a bond for termites Covenants in loan agreements are used to a. make representations in agreements b. secure collateral c. control the borrower’s behaviour d. as guaranties The Barbados branch of a foreign bank has a ROE that is three times greater than the TT branch. What may be the reason for this difference? a. The Barbados branch has lower equity b. The Barbados branch is more profitable than the TT branch c. The Barbados branch has proportionately higher profits to equity d. The TT branch has higher equity Assume a single-payment $1,000 loan for one year at 16 percent. The APR is a. 24 percent b. 16 percent c. none of the above d. 32 percent
- 24 Which of the following is NOT the main function of Bank Negara Malaysia (BNM)? Select one: It acts as banker and financial adviser to the government. It preserves internal position and value of the legal tender currency of the country. It promotes banking development in the country. It issue license to both local and foreign banks to open branches in the country. It appoint and terminate contract of central bank deputy governorTrue our False ? 2. Muscat Securities Market is the only Exchange Market in Oman. 3. The central bank regulates the fiscal system and not the monetary and the financial system of a country. 4. The depositors of Islamic commercial bank always play their roles as the lenders toRequiring a foreign banks to operate under the same rules as domestic banks is termed?
- Which of the following is a form of financing consist of short term unsecured promissory note issued by firms with a high credit rating? a. Commercial Papers b. Treasury Bills c. Bankers’ Acceptance d. Bills of ExchangeAssume that you are the senior manager of a leading commercial bank in Oman. You are aware that there are no capital controls in Oman and that Omani Rial is pegged against the dollar. Your past experience tells you that while is some weeks your bank has surplus liquidity, in other weeks there are deficits. You are trying to decide whether to use an Asset Conversion Strategy or a Borrowed Liquidity Strategy in managing your bank's liquidity position. Which of these two strategies, would you prefer and why ?1. How has deregulation of the financial services industry affected the makeup offinancial intermediaries? How do you think intermediaries’ characteristics willchange in the future? 2. How do banking organizations in the United States differ from banking organizationsin other countries? Why are they different? 3. How is money created in a banking system that has fractional reserve requirements(i.e., a fractional reserve system)? 4. Describe the open market operations undertaken by the Federal Reserve. Whattype of trades would the Fed make if it wanted to increase interest rates? 5. How would funds—that is, the money supply—in the United States be affectedif the Federal Reserve increases reserve requirements? Give an example.