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Use the following balane sheet (valves in thousands of dollars) to answer questions 6- 10 Assets Cash Required Reserves Short-term Securities Loans 21 369 400

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Use the following balane sheet (valves in thousands of dollars) to answer questions 6- 10 Assets Cash Required Reserves Short-term Securities Loans 21 369 400 790 Liabilities and Equity Demand Deposits Fed Funds Borrowed Equity Total 550 151 89 790 Total 6 If the bank's expected net deposit drain is 4% of demand deposits, what is the bank's expected liquidity requirement? A. $7,560 B. $6,040 C. $16,000 D. $22,000 E. $14,760 What are the possible ways that the bank can meet an expected net deposit drain of 4% using purchased liquidity management techniques? A. Utilize further the Fed funds market B. Utilize repurchase agreements C. Liquidate all cash holdings D. All of the above E. Only a and b of the above 7, can meet an expected net deposit drain of 4% using What are the possible ways that the bank stored liquidity management techniques? A. Liquidate all cash holdings. B. Utilize further the Fed funds market. C. Liquidate some securities and/or loans D. Liquidate all cash and use more Fed funds. E. All of the above are suitable techniques. 8. 9. If the bank decides to cut down on i nterest expenses by reducing its dependence upon borrowe funds, what policy must the bank follow? A. Manage liquidity risk exclusively through asset management. B. Manage liquidity risk exclusively through liability management. C. Reduce the bank's dependence upon demand deposits. D. Increase interest income by increasing lending E. Increase interest income by increasing securities holdings. 10. If the bank experiences a $50,000 sudden liquidity drain caused by a loan commitment draw down, what will be the impact on the balance sheet if stored liquidity management technique are used? A. A reduction in cash of $21,000 and an increase in demand deposits of $29,000. B. A reduction in securities and/or current loans totaling $50,000. C. A reduction in cash of $21,000 and a decrease in securities holdings of $29,000. D. A decrease in equity of $50,000. E. A decrease in lending of $50,000

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