Level 3 Credit risk management: a. Optimises the allocation of capital to achieve the maximum income from capital b. Integrates credit risk management into the operations of a company. c. Improves capital allocation to transactions. d. Improves the velocity of capital when employed to manage credit risk.
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Level 3 Credit risk management:
a. Optimises the allocation of capital to achieve the maximum income from capital
b. Integrates credit risk management into the operations of a company.
c. Improves capital allocation to transactions.
d. Improves the velocity of capital when employed to manage credit risk.
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- Which of the following statements describes the payment amounts over the life of an ARM? A) Payments will remain constant for the life of the loan. B) Payments may go up or down in relation to the index rate. C) Payments may go up or down in relation to the margin rate. D) Payments may go up or down in relation to the equity in the property.Which capital budgeting technique(s) measure all expected future cash inflows and outflows as if they occurred at a single point in time? a. net present value and internal rate of return b. net present value and payback. c. internal rate of return and payback d. payback. When choosing between long and short term borrowing, which of the following is not usually a relevant consideration for a company? Any costs associated with refinancing, such as arrangement fees and penalties. Likely interest rate movements. Matching the term of the loan with the nature of the assets being financed. The principal agent problem.
- Evaluating the credit quality of debt using traditional measures such as ratings are an example of which type of risk? aLiquidity Risk b.Interest Rate Risk c.Credit Risk d.Market RiskObtain and review a credit policy and procedures document from any selected financial institution. Review the contents and write a critique on the three key areas addressed in the policy. Highlight any one area which you think was not properly addressed, making two recommendations for improvement of the document, the policy and procedures. Note: Any key area identified in the policy and procedure document should be in alignment with key theoretical concepts covered in the course unit material.The table below, shows the balance sheet of the Bruins Bank. Liabilities/Equity Assets Reserves $40 Demand Deposits Loans 300 Shareholders' equity $450 50 Securities 100 Fixed assets 60 Total 500 Total 500 By how much is the Bruins Bank over- or under-reserved if the target reserve ratio is as listed below. a. If the target reserve ratio is 4.0% the Bruins Bank is (Click to select) by $ b. If the target reserve ratio is 8.0% the Bruins Bank is (Click to select) by $ c. If the target reserve ratio is 12.0% the Bruins Bank is (Click to select) by $ d. If the target reserve ratio is 14.0% the Bruins Bank is (Click to select) by $
- Solve this MCQ : A. For example you need money from outside and that's why you are looking for the best options of external fund which need to be evaluated in terms of: The Length of the Time The Cost The Amount of Company Control Lost All of The Above None of the Above. B. Trust receipts are unique type of which loan (s) an entrepreneur can get through banks. Straight Commercial Loan Inventory Loan Account Receivable Loan All of The Above None of The Above. C. In case of constrained growth business farms actually perform better if they remain at a smaller growth. True False D. Entrepreneurs can get secondary sources of information through Trade Magazines Newspaper Articles Government Agencies All of The Above None of The Above E. The changes between Apple 7+ and Apple 12 Pro is called Breakthrough Innovation Technological Innovation Ordinary Innovation Both Option 2 And 3 None of The Above F. Transfer of interest is not flexible…Evaluate the following statements:S1. Any investment income of general borrowing is deducted from capitalizable borrowing cost.S2. If the asset is financed by specific borrowing but a portion is used for working capital purposes, the borrowing shall be treated as general borrowing in determining capitalizable borrowing cost. a.False, False b.False, True c.True, True d.True, False1 Which of the following is a type of financing that generally refers to resources that must be repaid in a period of up to one year? a) Very long term financing B) Very short term financing NS) Medium term financing D) long term financing TO) short term financing
- Over the last, the two decades, there has been rapid transformation within the financial system, this has brought about in its wake series of new risk challenges, explain what type of risk management policies a typical policies a typical financial institution will put in place to effectively manage the risks listed below (a) (b) Market risk Interest rate risk Credit risk (d) Operational riskThe use of regulations by the regulators to mitigate risk in the banking sector should focus on which of the following: a.All of the above. b.Imposing minimum capital requirements. c.Public disclosure and corporate governance. d.Compliance with regulations, taking corrective actions, including imposing penalties etc.Green manufactures agricultural equipment and is planning to develop and launch a new fuel efficient tractor. Required: Discuss how the strategic management accounting technique Activity Based Management (ABM) could offer Green opportunities for improving performance and ways to seek to achieve cost reduction.