11. The so-called tax-management efficiency ratio consists of: Question 3 Not yet answered Marked out of 1.00 Flag question Select one: O a. None of the above. O b. Taxes owed over total liabilities of a bank O c. Tax-exempt assets over taxable assets O d. Total tax liabilities over net income O e. Net income over pre-tax net operating income 12. The ratio of net loans to total assets is considered to be a measure of what form of risk in banking? Question 4 Not yet answered Marked out of 1.00 Flag question Select one: O a. Market risk O b. Credit risk O c. Liquidity risk O d. None of the above O e. Interest-rate risk