The Federal Deposit Insurance Reform Act of $2005[$I$]$ Raised the federal deposit insurance level on retirement accounts from $$100,000$ to $$250,000[$II$]$ Raised the federal deposit insurance level on all bank accounts from $$100,000$ to $$250,000[$III$]$ Provided maximum coverage for all noninterest$-$bearing transaction accounts $[$IV$]$ Raised the deposit insurance limit for all interest$-$bearing accounts to $$250,000[$V$]$ Merged BIF and SAIF into one insurance fund called the Deposit Insurance Fund

I and II

II and III

III and IV

$1$ and $V$

None of the above choices is correctIf the regulatory capital ratio is $8\%,$ calculate the minimum regulatory capital.

$$89,000$

$$4,464$

$$45,000$

$$3,906$

$$55,800$

None of the above

Which of the following banks would normally be considered "systemically important?"

Deutsche Bank

HSBC

Royal Bank of Scotland

All of the above

None of the above