商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap006.doc

商业银行管理彼得S.罗斯英文原书第8版-英语试题库Chap006.doc

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Chapter6

MeasuringandEvaluatingthePerformanceofBanksandTheirPrincipalCompetitors

FillintheBlankQuestions

1. Theequitymultiplierforabankmeasurestheamountof_____________________ofthebankandisonepartoftheevaluationofthebank'sROE.

Answer:

leverage（debt）

2. __________________________istheriskthathastodowiththequalityofthebank'sassetsand,inparticular,thebank'sloans.

Answer:

Creditrisk

3. Solvency（orcapital）riskforabankcanbemeasuredby__________________________.Listonewaysolvencyriskcanbemeasured.

Answer:

PurchasedFunds/TotalLiabilities（Thereareseveralotherratiosthatcananswerthisquestionaswell）

4. __________________________aretheassetsofafinancialinstitutionthatwillmatureorberepricedwithinasetperiodoftime.

Answer:

InterestSensitiveAssets

5. __________________________istheriskthatthevalueofthefinancialinstitution'sassetportfolio（particularlygovernmentorothermarketablesecurities）willdeclineinvalue.

Answer:

Marketrisk

6. Eurodollars,FedFunds,RepurchaseAgreements,andlargeCDstogetherareknowas_____________________.

Answer:

PurchasedFunds

7. __________________________istheriskthatthefinancialinstitutionmaynotbeabletomeettheneedsofdepositorsforcash.

Answer:

Liquidityrisk

8. __________________________areloanswhicharepastdueby90daysormore.

Answer:

Nonperformingloans

9. __________________________reflectsthebank'sportfoliomanagementpoliciesandthemixandyieldonthebank'ssecuritiesandisonepartoftheevaluationofROE.

Answer:

Assetutilization

10. __________________________reflectstheeffectivenessoftheexpensemanagementofthebankandisonepartoftheevaluationofROE.

Answer:

Netprofitmargin

11. __________________________measuresthereturntostockholdersontheirinvestmentinthebank.Itistheproductofnetprofitmargin,assetutilizationandtheequitymultiplier.

Answer:

ROE

12. __________________________measurestheamountofdebtorleverageabankhasandisonepartoftheevaluationofthebank'sROE）Itisgenerallyanumberlargerthanone.

Answer:

Equitymultiplier

13. The__________________________isastandardizedreportprovidedbyfederalregulatorswhichreportsthebalancesheet,incomestatementandotherdataforallfederallysupervisedbanks.Ithasthisyear'sdataaswellasthreepreviousyearsandalsocontainsinformationonpeerinstitutions.

Answer:

UniformBankPerformanceReport

14. __________________________measuresthebank'sriskoflongrunsurvival.Itmeasuresthebank'scapitalpositionandshowsiftherehasbeenanyerosionofcapitalovertime.

Answer:

Solvencyrisk（orcapitalrisk）

15. __________________________istheriskthatshiftinginterestratesinthemarketwilladverselyaffectafinancialinstitution'snetincomeorthevalueofitsassetsorequity.

Answer:

Interestraterisk

16. The____________________Actrestrictscombinedauditingandconsultingrelationshipsinordertopromoteauditorindependenceandobjectivity.

Answer:

Sarbanes-Oxley

17.isoneofthemostwidelyrespectedprivateinstitutionsthatratesthecreditqualityoffinancialinstitutions.

Answer:

Thomson’sBankWatch,Inc.

18.referstotheuncertaintyregardingthefinancialfirm’searningsduetofailuresincomputersystems,errors,misconductbyemployees,lighteningstrikesandsimilarevents.

Answer:

Operational（transactional）risk

19.referstovariabilityinearningsresultingfromactionstakenbythelegalsystemincludingunenforceablecontracts,lawsuitsandadversejudgements.

Answer:

Legalrisk

20.includesviolationsofrulesandregulations.Itcanincludefailuretoholdadequatecapitalwhichcanleadtocostlycorrectiveactions.

Answer:

Compliancerisk

21.istheuncertaintyassociatedwithpublicopinion.Negativepublicity（whethertrueornot）canaffectafinancialfirm’searningsbydissuadingcustomersfromusingtheservicesoftheinstitution.

Answer:

Reputationrisk

22.Asdataprocessingoffinancialinformationbecomesmoreimportant,managersoffinancialfirmscanrealizecostsavingsfrom,transferringtasksfrominsidetofirmitselftootherfirmsspecializingininformationtechnology.

Answer:

outsourcing

23.Atraditionalmeasureofearningsefficiencyisthe