(a) Identify FOUR advantages of finance companies over commercial banks regarding to business loan operations. (4 marks) (b) Identify and explain TWO reasons for increase in underwriting risk of life insurance companies under global widespread of COVID-19. (4 marks) Question B2 Consider the following balance sheet for Vienna Bank (in millions): Assets Cash Liabilities and Equity $20 Saving deposits $70 (currently 3% p.a.) 5-year floating-rate loans (currently 6% p.a.) $80 3-year time deposits $20 (currently 5% p.a.) Equity $10 $100 Total $100 Total The interest rates of floating-rate loans have been adjusted to market rate just now and will be adjusted every twelve months. Go to Settin