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FINS3630-Bank Financial Management T1 2026

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NVB’s assets have duration 5.5 years and liabilities 2.1 years. Based on this information, NVB’s balance sheet is best described as having:

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Why does NVB’s equity decline when interest rates rise?

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Suppose households attempt to lend directly to firms instead of depositing funds in banks.

Which combination of factors from the lecture best explains why banks can perform this role more efficiently than individual households?

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IronBank introduces a new small-business lending program. After loans are approved,

some borrowers begin undertaking projects that are much riskier than those originally

described in their loan applications.

Which explanation from the lecture best describes this behaviour and the appropriate

bank response?

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What broader industry dynamic does this scenario illustrate?

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Suppose IronBank funds $400 million of loans at an average asset yield of 6.0% using $140 million of non-interest-bearing balances and $260 million of deposits paying 3.0%.

Ignoring credit losses and operating costs, what is the bank’s annual interest margin on this book, in $ millions?

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Which of the following pairings is correct based on the scenario?

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Why might Wattle Bank’s simplified no-hoops design attract customers even if its interest rate is only slightly higher than competitors’ rates?

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Aside from their low cost, what is the main reason banks value non-interest-bearing transaction balances?

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