High amount of intangible assets on the asset side of the bank´s balance sheet and high amount of deposits on the liability side

High amount of retail and corporate deposits on liability side of the bank´s balance sheet and low amount of tangible assets on the asset side

Offering transaction and payment services and high amount of loans on the asset side

High volume of corporate and retail loans on the asset side of the bank´s balance sheet and high amount of deposits on the liability side

EUR 44,900

EUR 46,200

EUR 411,500

EUR 423,600

EUR 456,000

The value of assets will decrease more than the value of liabilities, leading to a net loss

Given the information in the setup, we cannot say what will happen

The value of assets will increase less than the value of liabilities, leading to a net profit

The value of assets will increase less than the value of liabilities, leading to a net loss

The value of assets will decrease less than the value of liabilities, leading to a net profit

Elimination of customer service departments

Reduced employee turnover

 Increased regulatory complexity

Disintermediation of banking services

the borrower has a loan at the bank which is not collateralized

the borrower has two or more loans at one bank

the borrower is more than 90 days past due with repayments

the borrower is unlikely to pay its credit obligations in full

Model risk

ESG risk

Cyber risk

Legal risk

No, it doesn´t

Yes, it does

From the data given can not be determined, because Treasury Bills are not part of HQLA

From the data given can not be determined, because LCR is calculated on a 60 day stress horizon

91.05%

5.52%

6.59%

6.53%

Both NPV and NII change significantly.

Neither NPV nor NII is affected.

NPV changes significantly, NII remains unchanged.

NPV remains stable, NII changes significantly.

go down

go up or down depending on the rating

go up

do not change