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financial institutions management

Questions and Answers of Financial Institutions Management

What have been the trends in the assets invested in worldwide mutual funds from the 1990s through the 2010s?
What is the difference between a mutual fund and a hedge fund?
What are the performance fees charged by hedge funds?
How is the regulatory status of hedge funds changing?
What are risks common to all financial institutions?
How do large FIs solve the problem of high information collection costs for lenders, borrowers, and financial markets?
What is maturity intermediation? What are some of the ways the risks of maturity intermediation are managed by financial institutions?
What forms of protection and regulation do the regulators of FIs impose to ensure their safety and soundness?
How did the boom in the housing market in the early and mid-2000s exacerbate FIs’ transition away from their role as specialists in risk measurement and management?The following questions and
What changes did the Fed implement to its discount window lending policy in the early 2000s?
Bank Three currently has $600 million in transaction deposits on its balance sheet.The Federal Reserve has currently set the reserve requirement at 10 percent of transaction deposits.a. Suppose the
Describe how expansionary activities conducted by the Federal Reserve impact credit availability, the money supply, interest rates, and security prices. Do the same for contractionary activities.
Go to the Federal Reserve Board’s website at www.federalreserve.gov. Find the latest figures for financial assets outstanding at various types of financial institutions using the following steps.
Use the data in Table 2–4 for banks in the two asset size groups (a) $100 million–$1 billion and (b) more than $10 billion to answer the following questions.a. Why were ROA and ROE strong for
What are the major uses of funds for commercial banks in the United States?What are the primary risks to a bank caused by each of these? Which of the risks is most critical to the continuing
What are the major sources of funds for commercial banks in the United States?How does this differ for small versus large banks?
Use the data in Table 2–6 to answer the following questions.a. What was the average annual growth rate in OBS total commitments over the period 1992–2021?b. What categories of contingencies have
What factors normally are given credit for the revitalization of the banking industry during the 1990s?
What happened in 1979 to cause the failure of many savings institutions during the early 1980s? What was the effect of this change on the financial statements of savings institutions?
How did two pieces of regulatory legislation—the DIDMCA in 1980 and the DIA in 1982—change the profitability of savings institutions in the early 1980s? What impact did these pieces of
Compare and contrast the performance of worldwide depository institutions during and after the financial crisis.The questions and problems that follow refer to Appendix 2B.
Megalopolis Bank has the following balance sheet and income statement.a. Return on equityb. Return on assetsc. Asset utilizationd. Equity multipliere. Profit marginf. Interest expense ratio g.
Go to the FDIC website at www.fdic.gov and find the most recent breakdown of U.S. bank asset concentrations using the following steps. Click on “‘Analysis’from the menu at the top of the
Go to the Federal Deposit Insurance Corporation website at www.fdic.gov and find the latest balance sheet information available for savings institutions using the following steps. Click on
How do fi nancial intermediaries generate profi ts?
Explain why the banking system was so unstable prior to the establishment of the Federal Reserve System in 1914.
What is a call loan? How did call loans contribute to economic recessions?
Currently a community bank has $45,000 in reserves, demand deposits of $200,000, and loans of $145,000. It unexpectly receives an inflow of deposits of $50,000 into checking accounts and another
Suppose the current reserve requirements set by the Federal Reserve are as follows:A bank has vault cash of $2 million, reserve deposits at the Federal Reserve of $25 million, transaction deposits of
Refer to the table in Question 13. Now suppose the Federal Reserve raised the reserve requirements on deposits between $10.7 million and $55.2 million to 5 percent but eliminated the reserve
Given your answers to Question 7, what, if anything, would you expect to happen to (a) housing investment,(b) plant and equipment investment, (c) intended inventory investment, (d) government
Assume the Fed undertakes open-market operations and buys Treasury securities. Explain what should happen to interest rates. What is the expected change in nominal GNP? How is nominal GNP then
In your opinion, what were the three most important causes of the 2008 financial crisis?
Explain what is meant by the term negative interest rate. Why can interest rate never be negative?
Explain why yields and prices of fixed-income securities are inversely related.
Carol Chastain purchases a 1-year discount bond with a $1,000 face value for $862.07. What is the yield of the bond?
Suppose the 7-year spot interest rate is 9 percent and the 2-year spot interest rate is 6 percent. The forecasted 3-year rate 2 years from now is 7.25 percent.What is the implied forward rate on a
Assume that the term structure of Treasury securities includes the following rates:Using this information calculate: (a) the 6-month annualized yield expected in the second half of the current year,
If interest rates are expected to increase, then identify what happens to the following factors using the expectations theory.a. Demand for short-term securities by investors Increase / Decreaseb.
Describe the steps in a typical banker’s acceptance transaction. Why is the banker’s acceptance form of fi nancing ideal in foreign transactions?
If you expect prices and incomes to rise, what type of mortgage would you rather have on your house: FRM or ARM? What if you expected prices to fall? Explain your answer. Also explain how your answer
Describe the major differences between common stock and preferred stock.
Explain the differences among a market order, limit order, stop loss order, and stop buy order.
What agency is the chief regulator of futures markets?Why is federal regulation necessary?
Describe the factors that promoted the internationalization of financial markets during the previous 15 years. Are any of these factors reversible?
Give the reasons that banks select the bank holding company form of organization. Why would a bank holding company seek to convert to a fi nancial holding company?
The recent development of microfinance led to new ways of looking at banking relationships. Do you believe that microfinance is entirely consistent with bank wealth maximization? If not, what
Explain why bank regulators are so concerned with capital adequacy for the banking industry
Assume it was determined that the insurer in question 17 had overestimated its loss reserves by $20 million.If the loss reserve estimate was corrected, what is the impact on policyholders’ surplus?
Granite Insurance Company’s combined ratio 2 years ago was 1.035. A review of that year’s financial statements showed the company paid $4.5 million in income taxes.Why was the company required to
Explain why issuing new securities can be a risky business.
Suppose a financial institution holds a portfolio of bonds with a value of $50,000,000 and duration of 3.5.The portfolio currently yields 4 percent, and you don’t anticipate any changes in the
What are the strategic drivers facilitating the growth of the financial services industry?
Explain how technological trends shape the future of financial institutions.
Discuss the major challenges faced by financial institutions.
Explain the impact of the global financial crisis on the financial system.
What are depository and nondepository institutions?
Explain the significance of shadow banking systems.
Discuss the critical role of regulation in the financial environment.
Explain the functions of regulatory agencies.
List the major regulatory reforms in the financial sector.
Why is the failure of the regulatory system often considered a reason for the recent economic crisis?
Discuss the major instruments of bank regulation.
Discuss the salient features of the Basel reforms.
Critically evaluate the Basel frameworks.
What are the basic risk mitigation strategies?
Explain the structure of the risk management framework in banks.
Discuss risk management systems.
Explain credit risk.
Explain how credit risk is managed.
What are the different types of interest rate risks?
How is interest rate risk measured?
Discuss market risk management.
Discuss liquidity risk and its management.
Discuss operational risk and its management.
List other types of risks.
What are the major risks in nonbanking financial institutions?
Discuss the structure of financial markets.
Discuss the different types of money market and capital market instruments.
Explain the fundamentals of a bond.
What is an indenture?
Explain credit ratings.
What are the major debt instruments issued in the international debt market?
Distinguish between Eurobonds, foreign bonds, and global bonds.
Discuss the different types of Eurobonds.
What are the different types of floating rate notes?
What are the different bond investing strategies?
Explain mortgage markets.
What are the different types of MBS?
Explain the following: (a) MBS and (b) CMOs.
Discuss the main characteristics of common stock.
Explain the process of an IPO.
Explain the green shoe option.
Distinguish between an auction and dealer market.
What are the different types of market orders in a stock market?
What is short selling?
Discuss the different methods used to purchase foreign stocks.
Distinguish between active and passive strategies.
Explain the various types of basic derivatives.
Discuss the various types of futures and options contracts.

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