True or false

$1)$ One of the principal goals of asset liability management is to maximize or at least stabilize a banks margin or spread.

$2)$ The ultimate goal of liability management is to gain control over a financial institution$$s sources of funds.

$3)$ Under the so$-$called funds management view, bank management's control over assets must be coordinated with its control over liabilities, so that asset and liability management are internally consistent.

$4)$ Bankers cannot determine the level or trend of market interest rates instead; they can only react to the level and trend of rates.

$5)$ An account party will seek a standby credit guarantee if the bank's fee for issuing the guarantee is less than the value assigned to the guarantee by its beneficiary.

$6)$ Securitizations of commercial loans usually carry the same regulatory capital requirements for a bank as the original loans themselves.

$7)$ Securitized assets cannot be removed from a bank's balance sheet until they mature.

$8)$ Securitization tends to lengthen the maturity of a bank's assets.

$9)$ Most loans that banks sell off their balance sheets carry interest rates that usually are connected to long$-$term interest rates $($such as the $30-$year Treasury bond rate$).$

$10)$ A standby letter of credit substantially reduces the issuing bank's interest rate risk and liquidity risk.

$11)$ Banks are the principal sellers of credit derivatives.

$12)$ Securitization of loans can easily be applied to business loans since these loans tend to have similar cash flow schedules and comparable risk structures.