One reason for the fairly large number of unit banks in the United States is:

A. de-merger of branch banks.

B. low profitability in larger banks.

C. continuous formation of new banks.

D. regulations prohibiting formation of branch banks.

E. All the options are correct.

Outside the United States, the holding company form: A. is usually legal and very popular. B. is usually legal but not often used. C. is not legal. D. is not legal yet popular. E. is legal but never used.

________________ manage and care for the property of businesses, individuals, and non-profit organizations. A. Insurance companies B. Holding companies C. Real estate companies D. Trust companies E. Factoring companies

____________ offer savings deposit plans and housing related credit, predominantly to individuals and families. A. Insurance companies B. Real estate companies C. Trust companies D. Factoring companies E. Savings associations

In theory, if an interstate organization can acquire banks in states where bank earnings have a ______________ with bank earnings in those states where the interstate company is already represented, a "portfolio effect" may occur. A. perfectly positive correlation B. negative correlation C. zero correlation D. zero covariance E. positive covariance