Hi please could you solve these mcqs asap I have an exam in 15 minutes.

1.Which of the following statements best describes the concept of "two faces of debt"? Select one: a. Intermediaries issue financial claims to SSUs and own financial claims issued by DSUs. b. DSUs in one period can be SSUs in another one. c. Every financial asset is someone elses liability/equity. d. Government debt requires higher taxation in the future to repay the principal and interests of the debt 2. Which of the following is NOT a bank asset? Select one: a. Trading securities owned by the bank b. Loans made by the bank c. Debt issues d. Cash 3. In a standby letter of credit (SLC) the bank Select one: a. acquires a contingent asset. b. receives interest income. c. raises some funds. d. acquires a contingent liability. 4. Banks major use of funds is Select one: a. investments and trading securities. b. cash and liquid assets. c. loans, advances and other receivables. d. property, plant and equipment 4. Which of the following is NOT one of the six Cs in credit analysis? Select one: a. Crisis b. Collateral c. Conditions d. Capital 5. Which of the following is a basic source of funds for the firm? Select one: a. debt b. asset liquidations c. equity d. a and b above 6. Which of the following is correct? An example of a direct agency cost is Select one: a. a manager expensing a large dinner on the company expense report. b. a manager turning down a value-contributing project because of its risks. c. a manager using too little debt within the firms capital structure because of the additional risk associated with debt. d. all of the above 7. The Australian banking sector is dominated by Select one: a. four banks. b. one bank. c. two banks. d. three banks 8. Maturity gap is Select one: a. a measure of the difference between the value of liabilities that will either mature or be repriced within a given time interval and the value of assets that will either mature or be repriced during the same time period. b. a measure of the difference between the value of assets that will either mature or be repriced within a given time interval and the value of liabilities that will either mature or be repriced during the same time period. c. a measure of the difference between the duration of a bank's liabilities and the duration of its assets. d. a measure of the difference between the duration of a bank's assets and the duration of its liabilities. 9. Which of the following is NOT a form of bank loan? Select one: a. Government securities b. Line of credit c. Lease d. Overdraft facility 10. An effective payments system is characterised by its efficiency in terms of Select one: a. all of the above. b. the settlement mechanism for transferring funds among financial institutions. c. speed, cost and stability. d. the financial strength of the financial institutions (including the central bank) 11. Which of the following is correct? If a firm has had an agency problem that is reflected in poorly performing shares for a long period of time, then the firm may become a target of _________________. Select one: a. a bankruptcy lawyer. b. an investigation by the tax authorities. c. a investigation by the market regulator. d. a corporate raider. 12. A SSU purchases a financial claim issued by Select one: a. a DSU from an investment bank. b. a DSU from an underwriter. c. a commercial bank. d. a DSU from a dealer. 13. Which of the following is NOT a component of bank shareholders equity? Select one: a. Share capital b. Reserve accounts c. Retained profits d. Loan capital Which of the following is NOT a component of bank shareholders equity? Select one: a. Share capital b. Reserve accounts c. Retained profits d. Loan capital 14.