商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap006文档格式.doc

商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap006文档格式.doc

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3. Solvency（orcapital）riskforabankcanbemeasuredby__________________________.Listonewaysolvencyriskcanbemeasured.

PurchasedFunds/TotalLiabilities（Thereareseveralotherratiosthatcananswerthisquestionaswell）

4. __________________________aretheassetsofafinancialinstitutionthatwillmatureorberepricedwithinasetperiodoftime.

InterestSensitiveAssets

5. __________________________istheriskthatthevalueofthefinancialinstitution'

sassetportfolio（particularlygovernmentorothermarketablesecurities）willdeclineinvalue.

Marketrisk

6. Eurodollars,FedFunds,RepurchaseAgreements,andlargeCDstogetherareknowas_____________________.

PurchasedFunds

7. __________________________istheriskthatthefinancialinstitutionmaynotbeabletomeettheneedsofdepositorsforcash.

Liquidityrisk

8. __________________________areloanswhicharepastdueby90daysormore.

Nonperformingloans

9. __________________________reflectsthebank'

sportfoliomanagementpoliciesandthemixandyieldonthebank'

ssecuritiesandisonepartoftheevaluationofROE.

Assetutilization

10. __________________________reflectstheeffectivenessoftheexpensemanagementofthebankandisonepartoftheevaluationofROE.

Netprofitmargin

11. __________________________measuresthereturntostockholdersontheirinvestmentinthebank.Itistheproductofnetprofitmargin,assetutilizationandtheequitymultiplier.

ROE

12. __________________________measurestheamountofdebtorleverageabankhasandisonepartoftheevaluationofthebank'

sROE）Itisgenerallyanumberlargerthanone.

Equitymultiplier

13. The__________________________isastandardizedreportprovidedbyfederalregulatorswhichreportsthebalancesheet,incomestatementandotherdataforallfederallysupervisedbanks.Ithasthisyear'

sdataaswellasthreepreviousyearsandalsocontainsinformationonpeerinstitutions.

UniformBankPerformanceReport

14. __________________________measuresthebank'

sriskoflongrunsurvival.Itmeasuresthebank'

scapitalpositionandshowsiftherehasbeenanyerosionofcapitalovertime.

Solvencyrisk（orcapitalrisk）

15. __________________________istheriskthatshiftinginterestratesinthemarketwilladverselyaffectafinancialinstitution'

snetincomeorthevalueofitsassetsorequity.

Interestraterisk

16. The____________________Actrestrictscombinedauditingandconsultingrelationshipsinordertopromoteauditorindependenceandobjectivity.

Sarbanes-Oxley

17.isoneofthemostwidelyrespectedprivateinstitutionsthatratesthecreditqualityoffinancialinstitutions.

Thomson’sBankWatch,Inc.

18.referstotheuncertaintyregardingthefinancialfirm’searningsduetofailuresincomputersystems,errors,misconductbyemployees,lighteningstrikesandsimilarevents.

Operational（transactional）risk

19.referstovariabilityinearningsresultingfromactionstakenbythelegalsystemincludingunenforceablecontracts,lawsuitsandadversejudgements.

Legalrisk

20.includesviolationsofrulesandregulations.Itcanincludefailuretoholdadequatecapitalwhichcanleadtocostlycorrectiveactions.

Compliancerisk

21.istheuncertaintyassociatedwithpublicopinion.Negativepublicity（whethertrueornot）canaffectafinancialfirm’searningsbydissuadingcustomersfromusingtheservicesoftheinstitution.

Reputationrisk

22.Asdataprocessingoffinancialinformationbecomesmoreimportant,managersoffinancialfirmscanrealizecostsavingsfrom,transferringtasksfrominsidetofirmitselftootherfirmsspecializingininformationtechnology.

outsourcing

23.Atraditionalmeasureofearningsefficiencyistheortotalinterestincomeovertotalearningsassetslesstotalinterestexpensesovertotalinterestbearingbankliabilities.Itmeasurestheeffectivenessofafirm’sintermediationfunctionintheborrowingandlendingofmoney.

earningsspread

24.OnepartofROEisornetincomeoverpre-taxnetoperatingincomewhichmeasuresthefinancialfirm’suseofsecuritygainsandlossesandothertaxmanagementtoolstominimizetaxexposure.

taxmanagementefficiency

25.Netprofitmargincanbesplitintotwoparts,andtaxmanagementefficiency.Thefirstpartispre-taxnetoperatingincomeovertotaloperatingrevenuewhichlooksathowmanydollarsofrevenuesurviveafteroperatingexpensesareremoved.

expensecontrolefficiency

True/FalseQuestions

T F 26. Financialinstitutionsthatpursuethe"

quietlife"

asagoalarereallypursuingriskminimization.

True

T F 27. Attemptingtomaximizeabank'

sstockvalueisthekeyobjectiveforbankswhichshouldhavepriorityoverallotherbankgoals.

T F 28. Iftheexpectedstreamoffuturebankshareholderdividendsrises,abank'

sstockpriceshouldalsorise,otherfactorsheldconstant.

T F 29. Ifthediscountfactorassociatedwiththevalueofabank'

sstockrises,thebank'

sstockpriceshouldrise,otherfactorsheldconstant.

False

T F 30. Abank'

sROAequalsitsROEtimestheratiooftotalassetsdividedbytotalequitycapital.

T F 31. Accordingtothetextbookabank'

sasset-utilizationratioreflectsthemixandyieldonthebank'

sportfolioofassets.

T F 32. Thebank'

sprofitmarginorratioofnetafter-taxincometototaloperatingrevenueisameasureoffinancialleverageforabank.

T F 33. Theratioofabank'

snetafter-taxincometopre-taxnetoperatingincomeisdescribedinthetextasameasureoftaxmanagementefficiency.

T F 34. Inthetextbooktheratioofpretaxnetoperatingincometototaloperatingrevenuesisdescribedasameasureoftheeffectivenessofafinancialinstitution’sexpense-controlefficiency.

T F 35. Theratioofnon-performingassetstototalloansandleasesisameasureofcreditriskinbanking.

T F 36. Themeasureofabank'

sefficiencyandreturnknownasthe"

earningsspread"

subtractstotalinterestexpensesfromallthebank'

sinterestincomeandthesetwoitemsarethendividedbytotalassets.

T F 37. InrecentyearstheU.S.bankingindustry'

sequitymultiplierhasgenerallyriseninresponsetoregulatorypressuretoraisemorecapital.

T F 38. Ifabankaddsmorefull-timeemployeesandpoststhesamenetoperatingincome,itsemployeeproductivityratio,asdefinedinthetext,mustfall.

T F 39. ThemostprofitableU.S.banksintermsofbothROAandROEaremedium-sizeinstitutionsintheassetsizerangeof$100millionto$10billion,accordingtothetextbook.

T F 40. ROAmeasureshowcapablythemanagementofafinancialinstitutionhasbeenconvertingtheinstitution'

sassetsintonetearnings.

T F 41. Thenoninterestmarginisgenerallypositiveformostbanks.

T F 42. Theratioofnonperformingassetstototalloansandleasesisconsideredtobeameasureofabank'

smarketrisk.

T F 43. Charge-offsrepresentsecuritiesabankdecidestosellbecausetheyhavedeclinedinvalue.

T F 44. Loanspastduefor90daysormoreareclassifiedasnonperformingassets.

T F 45. Theratioofcashandgovernmentsecuritiestototalassetsisconsideredtobeameasureofliquidityriskinbanking.

T F 46. Theratioofuninsureddepositstototaldepositsisconsideredtobeameasureofcreditriskinbanking.

T F 47. Theinterestratespreadbetweenmarketyieldsonbankdebtissues（suchascapitalnotesandCDs）andthemarketyieldsongovernmentsecuritiesofthesamematurityisconsideredtobeameasureofmarketriskinbanking.

T F 48. Theratioofabank'

snetoperatingincometothenumberofabank'

sfull-time-equivalentemployeesiscalledtheemployeeproductivityratio.

T F 49. Smallerbanksusuallyhavefewerliquidassetsthanlargerbanks.

T F 50. Thebank'

sassetutilizationratioreflectstheeffectivenessofthebank'

sexpensemanagement.

T F 51. TheFDICisaprivatecreditratingcompanywhich