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BFF2401 - Commercial banking and finance - S2 2025
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Which of the following refers to the possibility that a firm's owners or managers will take actions contrary to the promises contained in the covenants of the securities the firm issues to raise funds?
Bank ABC has a Return on Equity (ROE) equal to 22%, a total assets/debt ratio equal to 1.02 and an asset utilisation ratio equal to 0.02. From this we know that the profit margin of bank ABC is:(NOTE: By default, the unit of the answer is %. The answer must be input with two 2 decimal places, i.e. if the answer is 12%, please input 12.00)
Which of the following is an adequate definition of a delegated monitor?
| Balance Sheet (in $million) | |||
| Assets | Liabilities and Equity | ||
| Cash | 450 | Demand deposits | 5,510 |
| Receivables from other FIs | 1,350 | Small time deposits | 10,800 |
| Investments | 4,050 | Jumbo CDs | 3,200 |
| Federal funds sold | 2,025 | Federal funds purchased | 2,250 |
| Loans | 15,525 | Equity | 2,200 |
| Reserve for loan losses | (1,125) | ||
| Premises | 1,685 | ||
| Total assets | 23,960 | Total liabilities and equity | 23,960 |
| Income Statement (in $million) | |||
| Interest income | 2,600 | ||
| Interest expense | (1,650) | ||
| Provision for loan losses | (180) | ||
| Noninterest income | 140 | ||
| Noninterest expense | (420) | ||
| Taxes | (90) |
Customer deposits are classified on a bank's balance sheet as:
Which of the following is an example of qualitative performance indicators?
The reason banks can offer highly liquid, low price-risk contracts to savers while investing in relatively illiquid and higher risk assets is:
| Balance Sheet (in $million) | |||
|---|---|---|---|
| Assets | Liabilities and Equity | ||
| Cash | 450 | Demand deposits | 6,635 |
| Receivables from other FIs | 1,350 | Small time deposits | 10,800 |
| Investments | 4,050 | Jumbo CDs | 3,200 |
| Federal funds sold | 2,025 | Federal funds purchased | 2,250 |
| Loans | 15,525 | Equity | 2,200 |
| Premises | 1,685 | ||
| Total assets | 25,085 | Total liabilities and equity | 25,085 |
| Income Statement (in $million) | |||
| Interest income | 2,500 | ||
| Interest expense | (1,650) | ||
| Provision for loan losses | (180) | ||
| Noninterest income | 140 | ||
| Noninterest expense | (420) | ||
| Taxes | (90) |