27. Which of the following was introduced as regulatory requirement by Basel a. Achieving a minimum level return on risk weighted assets. b. Limiting dividend payments by banks in all circumstances. c. Maintaining a minimum liquidity converge ratio. d. No business can be paid to senior managers unless a minimum profit level is achieved. 28. The concept of coverage from a financial analysis perspective, compare which of the following? a. Advances relative to margin. b. Dividend relative to shares issued. c. Fees relative to interest income. d. Interest payable relative to profit. 29. Which of the following is describe of risk free as there is no risk of default? a. Companies with very strong investment grade rating. b. Government in their own sovereign currencies. c. Government of countries in their euro-zone. d. Commercial and retails banks. 30. Many large companies raised debt directly from the capital market rather than borrowing from banks. This approach is known as a. Consolidation b. Disintermediation. c. Globalization. d. Regulation 31. Which of the following strategies is typically used by retail banks to retain their customers? a. Developing products to meet customers' changing need through their different life stages. b. Enforcing very robust know you customer process, to demonstrate that customer protection is a priority. c. Opening more branches to provide increased coverage and enhance the brand. d. Providing a standard set conduct to customer to ensure everyone is treated equally. 32. Which of the following is the most important income stream for a bank? a. Cash flow statement and budgets. b. Fees and commission on product sales. C. Managing an identified foreign exchange risk. d. Share premium account balances