QUESTION 10 Nonperforming loans are a. loans where no payment or principal has been paid for over a year b.loans with payments 30 days overdue C. loans with payments more than 90 days overdue d.loans that have been written off as uncollectible e.loans classified as potentially problematic in the future QUESTION 11 Which of the following loan-like financial instruments would you expect to have a substantially lower quoted base interest rate than a conventional fixed-rate, amortizing loan? a. an Islamic-type financial instrument, or add-on loan b. shared appreciation mortgage C. reverse annuity mortgage d. both a and b e. all of the above--a, b, and a QUESTION 12 Which of the following types of risk would be most associated with the idea that a bank could have negative equity and that shareholders could lose all their investment funds? a capital solvency risk b. liquidity risk C. credit risk d. default risk e. operational risk