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How does each of the following developments affect banks desired equity ratios? Explain. a. An increase in OBS activities. b. A shift from C&I lending

How does each of the following developments affect banks desired equity ratios?

Explain.

a. An increase in OBS activities.

b. A shift from C&I lending to real estate lending.

c. A shift from fixed-rate to floating-rate loans.

d. An increase in securitization.

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