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单选题 Off-balance sheet business is the business activities that commercial banks engage in and are not included in the ( )
学科：默认课程
时间：2025-12-21 09:54:26
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题目1单选题
Which of the following services belongs to off-balance sheet activitiesA. letter of guaranteeB. depositsC. loansD. security investment
题目2单选题
The bank's exposure to default or failure by a borrower or counterparty to fulfill its contractual obligation is ( )A. market riskB. credit riskC. liquidity riskD. operational risk
题目3单选题
Which of the following is not the reason why capital is very important in financial-services managementA. Capital is the most reliable and stable source of fundsB. Capital can absorb all losses of bank's operationC. Capital is the basis for banks' operationD. Capital is the centerpiece of supervision and regulation today
题目4单选题
Off-balance sheet business is the business activities that commercial banks engage in and are not included in the ( )A. profit and loss statementB. balance sheetC. statement of cash flowD. income statement
题目5单选题
Banks are closely regulated because ( )A. banks can create money in the form of readily spendable deposits by making loans and investments as much as they wantB. banks are among the leading depository institutions of the public's savingsC. banks can meet all credit requests of companies and individualsD. banks can control the activities of central and local governments
题目6单选题
Under the terms of Basel I, Tier 2 capital includes ( )A. capital surplusB. preferred stockC. undivided profitsD. subordinated debt instruments
题目7单选题
Required Reserve Ratio is ( )A. also called reserve requirement ratioB. a portion of deposits which can be used to make loansC. a percentage of deposits decided by the commercial banks themselves and deposited with the central bankD. helpful to increase the profitability of commercial banks
题目8单选题
Supporters of holding company organization believe that it will ( )A. reduce competitionB. raise the failure rateC. be more profitableD. accept too much risk
题目9单选题
A bank has $100 million in assets in the 0 percent risk-weight category, $500 million in assets in the 20 percent risk-weight category, $800 million in assets in the 50 percent risk-weight category, $500 million in assets in the 100 percent risk-weight category. This bank has $15 million in common stock, $ 20 million in capital surplus, $ 35 million in subordinated bonds, $15 million in undivided profits. What is this bank's ratio of Tier 1 capital to risk-weighted assetsA. 4.55%B. 8.5%C. 5%D. 7.73%
题目10单选题
Which of the following is not the characteristic of issuing debt capitalA. tax deductibleB. increased financial leverageC. dilution of ownershipD. more EPS and risks
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