1. Net interest margin is influenced by: a. Changes in the mix of assets and liabilities b. Changes in volume of interest-sensitive assets and liabilities C. Changes in interest rates up or down d. All of the above 2. Which of the following is not a capital market instrument? a. Bank time deposits with less than one year maturity b. Treasury bills c. Short term bonds with one year remaining to maturity d. All of the above 3. Advantage of a back-end maturity policy is: a. Maximizing income potential from security investments if market interest rates rise b. Reduces investment income fluctuations c. Maximizing income potential from security investments if market interest rates fall d. Maximize potential for earnings