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A、lenders will write debt contracts that restrict certain activities of borrowers
B、debt contracts are used more frequently to raise capital than are equity contracts
C、lenders are more willing to lend to borrowers with low net worth
D、all of the above
E、only (a) and (b) of the above
A.ground
B.house
C.centre
D.floor
(Excel Exerice) Go to the FDIC website and find the data on FDIC insured commercial banks. a) Plot the ROA and ROE by size from 1990-2017, use the data in the two asset size groups (a) $100 million-$1 billion and (b) more than $10 billion, and answer the following questions. 1) Why have the ratios for ROA and ROE tended to increase for both groups over the 1990-2006 period, decrease in 2007-2009, and increase in 2010-2017? Identify and discuss the primary variables that affect ROA and ROE as they relate to these two size groups. 2) If ROA for the smaller banks is larger than ROA for the large banks, why? 3) If ROA for the smaller banks is smaller than ROA for the large banks, why? 4) Why is the ratio for ROE consistently larger for the large bank group? b) Get the most recent breakdown of U.S. bank asset concentration. How have the number and dollar value of assets held by commercial banks changed since 2012?
A、the risk of all assets is the same.
B、the time to maturity for all assets is the same.
C、the coupon rate of all assets is the same.
D、the market value of assets is the same. .
A、assumes that long-term interest rates are an arithmetic average of short-term rates
B、assumes that the yield curve reflects the market's current expectations of future short-term interest rates.
C、recognizes that forward rates are perfect predictors of future interest rates.
D、assumes that risk premiums increase uniformly with maturity
A、assumes that investors will hold long-term maturity assets if there is a sufficient premium to compensate for the uncertainty of the long-term.
B、assumes that long-term interest rates are an arithmetic average of short-term rates plus a liquidity premium.
C、recognizes that forward rates are perfect predictors of future interest rates.
D、assumes that risk premiums increase uniformly with maturity.
A、The portfolio manager is reluctant to sell the bonds outright since the bank will have to take a loss.
B、The portfolio manager is willing to sell the bonds outright since they are not as valuable as their book value
C、The portfolio manager is willing to sell the bonds outright since they are more valuable than their book value
D、The portfolio manager is reluctant to sell the bonds outright since the bank will have to pay taxes on the gain.
A、assumes that investors will hold long-term maturity assets if there is a sufficient premium to compensate for the uncertainty of the long-term.
B、assumes that the yield curve reflects the market's current expectations of future short-term interest rates.
C、assumes that market rates are determined by supply and demand conditions within fairly distinct time or maturity buckets.
D、fails to recognize that forward rates are not perfect predictors of future interest rates.
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