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GEBRUIK DIE VOLGENDE INLIGTING OM VRAAG 4 TOT 5 TE BEANTWOORD. I MAKE USE OF THE FOLLOWING INFORMATION TO ANSWER QUESTION 4 TO 5. Oorweeg die balansstaat en gemiddelde rentekoerse van QT Bank. Die tydsraamwerk vir koerssensitiviteit is een jaar. I Consider QT Bank's balance sheet and associated average interest rates. The timeframe for rate sensitivity is one year: Evalueer die bank se rentekoersblootstelling deur Vraag 4 en 5 te beantwoord: / Evaluate the bank's interest rate exposure by answering Question 4 and 5 : VRAAG 4/ QUESTION 4 Bereken die volgende: / Calculate the following: (a) Rentekoers-sensitiewe gaping. I Interest sensitive gap. [1] (b) Rentekoers-sensitiwiteitsverhouding. / Interest sensitive ratio. (1) (c) Die verwagte netto rente-inkomste. I The expected net interest income. [1] (d) Die netto rente-marge indien rentekoerse konstant bly (bereken met totale bates). / The net interest margin if interest rates remain constant (caiculate with total assets). [1] VRAAG 5 I QUESTION 5 Volgens Vraag 4 se antwoorde, is hierdie bank bate- of laste-sensitief? Wat sal waarskynlik gebeur met die bank se netto rentemarge indien rentekoerse sou daal? Motiveer. Hierdie bank is geposisioneer om munt te slaan uit watter rigting van rentekoersbewegings (Kies die mees korrekte opsie)? I According to the answers of Question 4, is this bank asset or llability sensitive? What is likely to happen to this bank's net interest margin if interest rates decrease? This bank has positioned itself to profit if interest rates move in which direction (Choose the most correct option)? 1. Bate-sensitief / Asset sensitive. 2. Laste-sensitief, I Liability sensitive. 3. Die bank het meer bates wat herprys as laste wat herprys. I The bank has more assets that reprice than liabilities that reprice. 4. Die bank het meer laste wat herprys as bates wat herprys. I The bank has more liabilities that reprice than assets that reprice. 5. In Verlaging in die rentekoers sal beteken dat rente wat op bates verdien word, meer daal as rente wat op laste betaal word. I A decrease in the interest rate would mean that interest eamed on assets decrease more than interest paid on liabilities. 6. 'n Verlaging in die rentekoers sal beteken dat rente wat op laste betaal word, meer daal as rente wat op bates verdien word. I A decrease in the interest rate would mean that interest paid on liabilities decrease more than interest eamed on assets. 7. Netto rente inkomste en netto rente marge daal. / Net interest income and Net inferest. margin will decline. 8. Netto rente inkomste en netto rente marge styg. / Net interest income and net interest margin will increase. 9. Hlerdie bank is geposisioneer om munt te slaan indien rentekoerse styg. I This bank has positioned itself to profit if interest rates increase. 10. Hierdie bank is geposisionoer om munt te slaan indien rentekoerse daal. I This bank has positioned itseff to profit if interest rates decrease. Opsios: 1 Options: 10. Hierdie bank is geposisioneer dm munt te slaan indien rentekoerse daal, I This bank has positioned itself to profit if interest rates decrease. Opsies: / Options: A. 1,3,5,7,9 B. 2,4,6,8,10 C. 1,4,6,8,10 D. 2,3,5,7,9 E. Geen van die opsies wat verskaf is. I None of the options provided. GEBRUIK DIE VOLGENDE INLIGTING OM VRAAG 4 TOT 5 TE BEANTWOORD. I MAKE USE OF THE FOLLOWING INFORMATION TO ANSWER QUESTION 4 TO 5. Oorweeg die balansstaat en gemiddelde rentekoerse van QT Bank. Die tydsraamwerk vir koerssensitiviteit is een jaar. I Consider QT Bank's balance sheet and associated average interest rates. The timeframe for rate sensitivity is one year: Evalueer die bank se rentekoersblootstelling deur Vraag 4 en 5 te beantwoord: / Evaluate the bank's interest rate exposure by answering Question 4 and 5 : VRAAG 4/ QUESTION 4 Bereken die volgende: / Calculate the following: (a) Rentekoers-sensitiewe gaping. I Interest sensitive gap. [1] (b) Rentekoers-sensitiwiteitsverhouding. / Interest sensitive ratio. (1) (c) Die verwagte netto rente-inkomste. I The expected net interest income. [1] (d) Die netto rente-marge indien rentekoerse konstant bly (bereken met totale bates). / The net interest margin if interest rates remain constant (caiculate with total assets). [1] VRAAG 5 I QUESTION 5 Volgens Vraag 4 se antwoorde, is hierdie bank bate- of laste-sensitief? Wat sal waarskynlik gebeur met die bank se netto rentemarge indien rentekoerse sou daal? Motiveer. Hierdie bank is geposisioneer om munt te slaan uit watter rigting van rentekoersbewegings (Kies die mees korrekte opsie)? I According to the answers of Question 4, is this bank asset or llability sensitive? What is likely to happen to this bank's net interest margin if interest rates decrease? This bank has positioned itself to profit if interest rates move in which direction (Choose the most correct option)? 1. Bate-sensitief / Asset sensitive. 2. Laste-sensitief, I Liability sensitive. 3. Die bank het meer bates wat herprys as laste wat herprys. I The bank has more assets that reprice than liabilities that reprice. 4. Die bank het meer laste wat herprys as bates wat herprys. I The bank has more liabilities that reprice than assets that reprice. 5. In Verlaging in die rentekoers sal beteken dat rente wat op bates verdien word, meer daal as rente wat op laste betaal word. I A decrease in the interest rate would mean that interest eamed on assets decrease more than interest paid on liabilities. 6. 'n Verlaging in die rentekoers sal beteken dat rente wat op laste betaal word, meer daal as rente wat op bates verdien word. I A decrease in the interest rate would mean that interest paid on liabilities decrease more than interest eamed on assets. 7. Netto rente inkomste en netto rente marge daal. / Net interest income and Net inferest. margin will decline. 8. Netto rente inkomste en netto rente marge styg. / Net interest income and net interest margin will increase. 9. Hlerdie bank is geposisioneer om munt te slaan indien rentekoerse styg. I This bank has positioned itself to profit if interest rates increase. 10. Hierdie bank is geposisionoer om munt te slaan indien rentekoerse daal. I This bank has positioned itseff to profit if interest rates decrease. Opsios: 1 Options: 10. Hierdie bank is geposisioneer dm munt te slaan indien rentekoerse daal, I This bank has positioned itself to profit if interest rates decrease. Opsies: / Options: A. 1,3,5,7,9 B. 2,4,6,8,10 C. 1,4,6,8,10 D. 2,3,5,7,9 E. Geen van die opsies wat verskaf is. I None of the options provided