Liberty University BUSI 321 test 4 exam complete solutions correct answers A+ work
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Liberty University BUSI 321 test 4 exam complete solutions correct answers A+ work
Question 1 For a given level of return on assets, a bank with a higher level of capital will have a lower
Question 2 Fees charged by a bank on various services allow the bank to generate:
Question 3 Bank T generally obtains a high percentage of its funds from wholesale CDs. Bank V which obtains most of its funds from retail CDs. Bank Z obtains its funds from checking accounts. The bank that will incur the highest interest expenses is ____.
Question 4 A(n) ____ in interest rates could reduce a commercial bank's expected cash flows because the interest paid on deposits may ____ than the interest earned on loans and investments.
Question 5 Banks A and B have the same net income. Bank A has a higher capital ratio and more assets than B. Bank A's return on assets is ____ than Bank B's. Bank A's return on equity is ____ than Bank B's.
Question 6 When only equity counts as capital, the leverage measure is
Question 7 Changes in ____ are a factor affecting the value of a commercial bank over which the bank has some control.
Question 8 If a bank is too ____ in attempting to avoid loan losses, its net interest margin will be ____.
Question 9 The ____ savings institutions hold the most assets in aggregate.
Question 10 Which of the following statements is incorrect?
Question 11 During the credit crisis of 2008–2009:
Question 12 The majority of maturities on consumer loans offered by credit unions are ____ term, causing income generated on their asset portfolio to be ____ to interest rate movements.
Question 13 Credit unions obtain most of their funds from
Question 14 Which of the following is not an objective of a credit union?
Question 15 Because credit unions' sources and uses of funds are generally interest rate ____, movements in interest revenues and interest expenses of credit unions are ____.
Question 16 The primary source of funds for credit unions is
Question 17 If finance companies with a greater ratesensitivity of liabilities than assets wanted to reduce interestrate risk, they could
Question 18 Consumer finance companies primarily focus on for
Question 19 Finance companies can accumulate capital by doing all of the following except
Question 20 ____ finance companies concentrate on purchasing credit contracts from retailers and dealers.
Question 21 When a finance company's assets are ____ interest rate sensitive than its liabilities and when interest rates are expected to ____, bonds can provide longterm financing at a rate that is completely insulated from rising market rates.
Question 22 Finance companies commonly act as ____ for accounts receivable; that is, they purchase a firm's receivables at a discount and are responsible for processing and collecting the balances of these accounts.
Question 23 Finance companies are subject to
Question 24 Compared to other lending financial institutions, finance companies have a ____ loan delinquency rate, and the average rate charged on loans is ____ on average.
Question 25 The most common investment by closedend funds is in
Question 26 To cover managerial expenses, mutual funds typically charge
Question 27 Money market funds are normally perceived to have ____ interest rate risk, and ____ default risk.
Question 28 ____ funds do not normally repurchase their shares from investors.
Question 29 Money market funds invest mostly in
Question 30 ____ funds are open to investment from investors at any time.
Question 31 ____ are beneficial for investors who want to invest in taxexempt securities.
Question 32 Equity real estate investment trusts invest
Question 33 Which of the following is incorrect about money market funds (MMFs)?
Question 34 Which of the following is not a service that is commonly performed by an securities firm?
Question 35 Employees of a securities firm are less likely to engage in unethical behavior when the firm rewards employees with higher compensation based on:
Question 36 Securities firms commonly perform all of the following functions except for _____ when facilitating a secondary stock offering.
Question 37 When a securities firm provides a bridge loan, it would most likely be
Question 38 Which of the following is not an SEC rule?
Question 39 Competitive bidding by securities firms for underwriting the issue of new bonds is primarily used for
Question 40 The ____ offers insurance on cash and securities deposited at brokerage firms.
Question 41 The ____ is not involved in the regulation of the securities industry.
Question 42 Pension portfolios managed by trusts are expected to offer ____ returns than those managed by insurance companies and have a(n) ____ degree of risk.
Question 43 The most common use of funds for property and casualty insurance companies is
Question 44 Which of the following is a difference in characteristics between life insurance companies and property and casualty insurance companies?
Question 45 Which of the following is not involved in the regulation of the insurance industry?
Question 46 Which type of life insurance policy does not build a cash value for policyholders?
Question 47 The most common type of mortgage held by life insurance companies are ____ mortgages.
Question 48 To reduce interest rate risk, pension fund managers can
Question 49 The ratio of an insurance company's net profit to policyholders' surplus is called
Question 50 Pension funds managed by life insurance companies are normally referred to as
[Solved] Liberty University BUSI 321 test 4 exam complete solutions correct answers A+ work
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- Submitted On 03 Oct, 2016 04:42:57
- Kmgina
- Rating : 186
- Grade : A+
- Questions : 0
- Solutions : 462
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