Question B1 (a) Identify FOUR advantages of finance companies over commercial banks regarding to business loan operations. (4 marks) (b) Identify and explain TWO reasons for increase in underwriting risk of life insurance companies under global widespread of COVID-19. (4 marks) Question B2 $70 Consider the following balance sheet for Vienna Bank (in millions): Assets Liabilities and Equity Cash $20 Saving deposits (currently 3% p.a.) 5-year floating-rate loans $80 3-year time deposits (currently 6% p.a.) (currently 5% p.a.) Equity Total $100 | Total $20 $10 $100 The interest rates of floating-rate loans have been adjusted to market rate just now and will be adjusted every twelve months