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- 9. Essay Questions Do some research, briefly talk about the developem ent and the regulation of banking in China. For extra credit: how is the banking industry structur e in China different from that in the United States? Can you think of any reason for that difference?Apex Learning - Courses m/public/activity/5000001/assessment L Pretest: Unit 5 Question 4 of 20 Why do banks practice fractional reserve banking? A. It ensures that all customers can withdraw their funds at once. B. It allows them to lend more money than they hold in deposits. C. It increases the value of collateral used to secure mortgages. D. It encourages customers to accept higher interest rates on loans. SUBN PREVIOUS O OV1 Consider a bank with the following balance sheet: Assets-150 Liabilities-110 Capital-40 a) What is this bank’s leverage ratio? A. 0.27 B. 0.36 C. 2.75 D. 3.75 E. 13.63 b) Suppose that the bank’s assets earn 3% interest and the bank’s liabilities pay 2% interest, what is the bank’s expected profit per unit of capital? A. 0.01 or 1% B. 0.0336 or 3.36% C. 0.0575 or 5.75% D. 0.2667 or 26.67% E. 0.3636 or 36.36%
- QUESTION THREE (3)Explain in detail each of the following primary risks faced by banks and explain how theyare managed.A. Credit risk,B. Liquidity risk,C. Interest rate risk, andD. Foreign exchange riskSelect a case of weak regulatory framework within a financial institution which resulted in the demise of the institution and:i. Outline and discuss two (2) ways the regulatory bodies’ timely intervention could have prevented such a situation? ii. How effective do you think the response was to such a crisis? iii Outline and discuss two ways/actions that could have been pursued to further strengthen the regulatory environment?3) Asma has a credit card account with Bank Muscat. The bank is considering whether to raise Asma’s credit card interest rate. Asma can respond by moving to National bank of Oman (NBO) or do nothing. If Bank Muscat raises Asma’s interest rate and Asma does nothing, then Bank Muscat increases profit by 300 OMR while Asma receives -300 OMR. If Bank Muscat raises Asma’s interest rate and Asma transfers her account to NBO then Bank Muscat receives -150 and Asma receives 100 OMR. If Bank Muscat does nothing and Asma does nothing, then both gets 0 OMR. If Bank Muscat does nothing and Asma transfer her account to NBO then Bank Muscat receives -150 while Asma receives -75 OMR. a. Draw the game with the help of a tree chart.b. If you are a bank manager of the Bank Muscat, then what is the best strategy for you. c. What is the best strategy if you are helping Asma with her decision?
- 1) which of the following types are not considered to be non-banking financial institutions ? A- trading bank B- Consumer finance C- Credit Unions D- Consumer financeQUESTION 21 A decrease in the money supply creates an excess supply of money that is eliminated by rising prices. supply of money that is eliminated by falling prices. demand for money that is eliminated by falling prices. demand for money that is eliminated by rising prices. a. b. С. d. a C QUESTION 22 Suppose the money supply grew at an average annual rate of 20%, velocity was constant, the nominal interest rate averaged 16%, and output grew at an average annual rate of 8%. According to the Quantity Theory, a. inflation averaged 6% per year and the real rate of return was 2%. b. inflation averaged 12% per year and the real rate of return was 4%. inflation averaged 10% per year and the real rate of return was 8%. inflation averaged 20% per year and the real rate of return was 6%. С. d. a C Clialc Squa All Answers to save all answers. bo O C O O O C5. A companys customers are either old or new. A customer may be able or not able to provide an acceptable reference. The customer may either be known or not known to credit controller. A new customer who is able to provide an acceptable reference is allowed credit up to Sh. 1500,000. An old customer that is able to provide an acceptable reference is allowed credit up to Sh. 3500,000. A customer that is known is allowed a credit up to sh. 1,000,000. A customer could be an individual or a firm. A firm is guaranteed a credit of sh. 50,000 while an individual is guaranteed credit of sh. 20,000. Draw a decision table to express the above logic.
- 4-4The federal government (1) encouraged the development of the savings and loanindustry, (2) virtually forced the S&L industry to make long-term, fixed-interest-rate mortgages, and (3) forced S&Ls to obtain most of their capital asdeposits that are withdrawable on demand. a.Would the S&Ls be better off if rates are expected to increase or to decreasein the future? b.Would the S&L industry be better off if the individual institutions sold theirmortgages to federal agencies and then collected servicing fees or if theinstitutions held the mortgages that they originated?What are the interlinkages between financial crisis and financial system of acountry? Explain elaborately, no plagiarism.In government programs of bank supervision, what is being supervised?