financial-421-exam-by-keyaira-brax (996kb)

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Business

Financial

Markets

Financial 421

Author: Keyaira Braxton

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4. Chapter: Financial Markets

1. Financial Markets Questions

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4.1.1. The major objective of a financial institution manager is to

The major objective of a financial institution manager is to

Please choose only one answer:

increase their profits

increase the return for its owners

increase foreign relationship

decrease default on loans


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4.1.2. Credit risk is the risk

Credit risk is the risk


that the promised cash flows from loans and securities held FI's may be defaulted on

of default for borrowing firm associated with the specific types of project risk taken by that firm

incurred by an FI when the maturities of its assets and liabilities are mismatched and interest rates are volatile


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4.1.3. The Bankruptcy Reform Act of 2005 makes is ________ difficult for c...

The Bankruptcy Reform Act of 2005 makes is ________ difficult for consumers to declare bankruptcy


less

just as

more


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4.1.4. Firm-specific risk is the risk of default

Firm-specific risk is the risk of default


associated with general-economy-wide conditions affecting all borrowers

for the borrowing firm associated with the specific types of project risk taken by that firm

for all firms associated with a FI


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4.1.5. Purchased funds

Purchased funds


FI's rely on these

are day to day withdrawals

include short term borrowings such as federal funds loans and brokered deposits

Both A and C


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4.1.6. Liquidity risk is the risk

Liquidity risk is the risk


that day to day withdrawals and loan demands will no longer be predictable

that a sudden increase in withdrawals or loan demand may require an FI to liquidate assets in a short period

and at low prices

incurred by FI when the maturities of its assets and liabilities are mismatched and interest rates are volatile


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4.1.7. Interest rate risk is the risk

Interest rate risk is the risk


incurred when FI's assets are longer term than its liabilities

incurred when the interest rates are too high

incurred by FI when the maturities of its assets and liabilities are mismatched and interest rates are volatile


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4.1.8. Refinancing risk incurs

Refinancing risk incurs


when FI's assets are longer term than its liabilities

when FI's assets are shorter term than its liabilities

when FI's assets are the same term as its liabilities


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4.1.9. Reinvestment risk

Reinvestment risk


incurs when FI's assets are longer term than its liabilities

incurs when FI's assets are shorter term than its liabilities

incurred when FI's assets are the same term as its liabilities


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4.1.10. Issuing secondary securities or liabilities to fund the purchase of...

Issuing secondary securities or liabilities to fund the purchase of primary securities or assets is classified as


Refinancing risk

Asset transformation

Reinvestment risk


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4.1.11. Value at risk and daily earning at risk are measures used to assess

Value at risk and daily earning at risk are measures used to assess


market risk exposure

market risk activity

highly exposed losses


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4.1.12. The risks incurred by a FI as the result of activities related to c...

The risks incurred by a FI as the result of activities related to contingent assets and liabilities, is what risk?


Market risk

Insolvency risk

Off-Balance-Sheet risk


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4.1.13. Holding more foreign assets than foreign liabilities is what positi...

Holding more foreign assets than foreign liabilities is what position in foreign currency?


net long

net short

fully


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4.1.14. Holding fewer foreign assets than foreign liabilities is what posit...

Holding fewer foreign assets than foreign liabilities is what position in foreign currency?


net long

net short

fully hedge


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4.1.15. The risk that repayments form foreign borrowers may be interrupted ...

The risk that repayments form foreign borrowers may be interrupted because of government interference, is what

risk?


Country risk

Sovereign risk

Foreign exchange risk

Both A and B


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4.1.16. The risk that repayments form foreign borrowers may be interrupted ...

The risk that repayments form foreign borrowers may be interrupted because of government interference, is what

risk?


Country risk

Sovereign risk

Foreign exchange risk

Both A and B


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4.1.17. The risk incurred by a FI when its technological investments do not...

The risk incurred by a FI when its technological investments do not produce anticipated cost savings, is what risk?


Operational risk

Technological risk

Both A and B

None of the above


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4.1.18. Insolvency risk is the risk

Insolvency risk is the risk


that a FI may not have enough capital to offset a sudden decline in the value of its assets relative to its

liabilities

that less equity capital to assets an FI has, the better it is

that existing technology or support systems may malfunction or break down


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4.1.19. What is the difference between the gross debt service ratio and tot...

What is the difference between the gross debt service ratio and total debt ratio?


GDS is more accurate

TDS acceptable threshold is between 25%-30%. GDS acceptable threshold is between 35%-40% and

accommodation expenses is added to all other debt service payments divided gross income

GDS acceptable threshold is between 25%-30%. TDS acceptable threshold is between 35%-40% and

accommodation expenses is added to all other debt service payments divided gross income


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4.1.20. The process of ensuring that collateral used to secure a loan is fr...

The process of ensuring that collateral used to secure a loan is free and clear to the lender should the borrower

default on the loan is considered as


Pass-through security

vulture fund

Perfecting collateral


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4.1.21. Packaging and selling of loans and other assets backed by securitie...

Packaging and selling of loans and other assets backed by securities issued by a FI is


A loan sale

Loan securitization

pass-through securities


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4.1.22. A relationship between a small bank and a large bank in which the l...

A relationship between a small bank and a large bank in which the large bank provides a number of deposit,

lending, and other services


Syndicating relationship

Correspondent relationship

Participation relationship


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4.1.23. Large banks sell parts of their loans to smaller FIs, called ______...

Large banks sell parts of their loans to smaller FIs, called ___________________. Small FIs make large large

loans and ________________ parts of the loans to large banks.


participations, syndicating

syndicating, participation

collateralized, participation


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4.1.24. Loans that finance a merger and acquisition

Loans that finance a merger and acquisition


LDC loans

Hight leveraged transaction loans

mortgage loans


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4.1.25. Loans made to less developed countries

Loans made to less developed countries


LDC loans

HLT loans

short-term loans


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4.1.26. The ability of a loan buyer to sell the back to the originator if i...

The ability of a loan buyer to sell the back to the originator if its goes bad.


Recourse

Participation

Assignment


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4.1.27. Lower probability of borrower default, is an result of a

Lower probability of borrower default, is an result of a


low Altman z-score

high z-score

None of the above


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4.1.28. Specialized funds that invest in distressed loans

Specialized funds that invest in distressed loans


Vulture funds

Repurchased funds

fire sale prices


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4.1.29. Investments banks are predominately buyers of HLT loans

Investments banks are predominately buyers of HLT loans


True

False


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4.1.30. The difference between a participation and assignment is

The difference between a participation and assignment is


the contractual control and rights over the borrower

the length on the conditions

number of shares in a loan syndication


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4.1.31. A bond that is swapped for an outstanding loan to an LDC

A bond that is swapped for an outstanding loan to an LDC


Sovereign bond

Pass-through bond

Brady bond


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4.1.32. LDC bonds have a shorter maturities than that promised on original ...

LDC bonds have a shorter maturities than that promised on original loans


True

False


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4.1.33. What factors encourage future loan sales growth?

What factors encourage future loan sales growth?


Fee income, liquidity risk

Capital cost, fee income, reserve requirements

Fee income, liquidity risk, capital costs, reserve requirements


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4.1.34. The process of transforming loans into marketable securities.

The process of transforming loans into marketable securities.


Maturity bucket

Securitization

CMOS


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4.1.35. Promised payments by households of principal and interest on pools ...

Promised payments by households of principal and interest on pools of mortgages created by FIs to secondary

market investors holding interest in these pools.


Brady bonds

Negotiable CDs

Pass-through mortgage securities


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4.1.36. Mortgage-backed securities issued in multiple classes or tranches t...

Mortgage-backed securities issued in multiple classes or tranches to provide prepayments protection


Collateralized mortgage obligations (CMOS)

Highly Levered Transactions (HLT)

Securitization


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