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Business Management & Financial Services In Banking Industry

Business Management & Financial Services In Banking Industry

Question Description

  1. Name and briefly explain Four (4) of the Main Risks which are of concern to Bankers: (8) A) B) C) D)
  2. What is considered “Primary Reserves” on a Bank’s Balance Sheet? (2)
  3. What are considered “Secondary Reserves” on the bank’s balance sheet? (2)
  4. What are Trading Securities, and how must they be valued? (2)
  5. What are two (2) sources where Banks can borrow funds other than from Deposits (Non-Deposit Borrowings): (4)

A) B)

5. Your bank has a portfolio of 130 semi-annual Bonds with a coupon of 14.35% and 4 years remaining. If current rates are 6.25%, give the following:

a) What are the three (3) ways to value all assets? (6) 1)

2) 3)

b) Based upon the answers in “a” above, give the value of the Bank’s Bond Portfolio, using each valuation method above: (9)

1) 2) 3) ——————————————————

  1. What is considered the Risk-Free Investment, and why? (12)
  2. Where do Bank start when setting a rate for its Loans or Investments? And then what happens next? (6)
  3. What is usually the Bank’s largest: (8)
    Asset Category: _________________________________________________ Liability Category: ______________________________________________ Source of Income: _______________________________________________ Expense: _______________________________________________________ —————————————————————
  4. What is ROA, and what is it an indicator of? (6)
  5. What is ROE? (4)
  6. What is the “UBPR”, and what four (4) agencies cooperate to make it possible? (6)
  7. One of the Bank’s best customers come to you seeking a mortgage loan for a new home she wants to build. The house is expected to cost approximately 4,375,000. She wants to know what her annual income must be in order to qualify for a 30 year loan at 4.125% if she puts 15% down, and her payment has to equal 32% of her GMI.
      1. a) How much is the Required Down Payment?: _______________________________ (5)
      2. b) What is the Required Annual Income = ? _________________________________ (10)
      3. c) If Closing Costs are 7.0% of the cost of the house, how much are Closing Costs?____________________________________________________ (5)
      4. d) If she keeps the loan until maturity, how much will she pay in Interest?____________________________________________________ (5)

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