Need 2 responses in total, one for each (one for A, one for B) . Each response need 5-10 sentences. – Assignment Help

I only need 2 responses in total, ONE FOR A AND ONE FOR B, I do not need response for each questions.

plz write like” i agree with you answer ………” and add some new information.

A.

Integrating asset and liability management. What is accomplished when a bank integrates its liability management with its asset management?

If a bank integrates its liability management with its assets management, it can improve the performance and by implementing this strategy, the interest rate risk reduces. For example: as a source of funds by focusing on the short-term CD which may result in the concentration on rate-sensitive assets like floating-rate loans.

Interest Income. How can gross interest income rise, while the net interest margin remains somewhat stable for a particular bank?

Gross expenses may rise during periods in which gross interest income rises, as both variables respond to increasing market interest rates. Under these conditions, the net interest margin may remain somewhat stable.

Ownership of SIs What are the alternative forms of ownership of a savings institution?

Stock savings institutions are owned by shareholders, and mutual savings institutions are owned by depositors.

Exposure to Interest Rate Risk: Is the cost of funds obtained by finance companies very sensitive to market interest rate movements? Explain.

The interest expenses on short-term funds obtained by issuing commercial paper and other short-term debt are sensitive to interest rate movements. The interest rate expenses on funds obtained from issuing bonds are not sensitive to interest rate movements.

B.

Rate Sensitivity

List some rate-sensitive assets and some rate-insensitive assets of banks.

Answer:

The rate-sensitive assets of the bank are as follows:

  1. Floating-rate loans
  2. Short-term securities

The rate-sensitive liabilities of the bank are as follows:

  1. Long-term fixed-rate loans
  2. Long-term securities

Noninterest Income

Why have large money center banks’ noninterest income levels typically been higher than those of smaller banks?

Answer:

Noninterest income is an income resulted from fees charged on services provided by the bank, such as lock-box services, banker’s acceptances, cashier’s checks, and foreign exchange transactions etc.

Generally Large money center banks typically have higher non-interest income levels than that of smaller banks, because large banks tend to offer a wide variety of services to the customer and in turn can charge fee for those services.

Regulation of SIs

What criteria are used by regulators to examine a savings institution?

Answer:

Capital, asset quality, management ability, earnings potential, liquidity, and sensitivity to risk factors.

Uses of Funds

Describe the major uses of funds by finance companies.

Answer:

The major uses of funds are consumer loans (including credit card loans), business loans, leasing, mortgages on commercial real estate & second mortgages on residential property.

The post Need 2 responses in total, one for each (one for A, one for B) . Each response need 5-10 sentences. appeared first on ESSAY PAPER.


Need 2 responses in total, one for each (one for A, one for B) . Each response need 5-10 sentences. was first posted on March 5, 2021 at 12:51 am.
©2019 "ESSAY PAPER". Use of this feed is for personal non-commercial use only. If you are not reading this article in your feed reader, then the site is guilty of copyright infringement. Please contact me at ALL ANSWERS

Place your order
(550 words)

Approximate price: $22

Basic features
  • Free title page and bibliography
  • Unlimited revisions
  • Plagiarism-free guarantee
  • Money-back guarantee
  • 24/7 support
On-demand options
  • Writer’s samples
  • Part-by-part delivery
  • Overnight delivery
  • Copies of used sources
  • Expert Proofreading
Paper format
  • 275 words per page
  • 12 pt Arial/Times New Roman
  • Double line spacing
  • Any citation style (APA, MLA, Chicago/Turabian, Harvard)

Our guarantees

Delivering a high-quality product at a reasonable price is not enough anymore.
That’s why we have developed 5 beneficial guarantees that will make your experience with our service enjoyable, easy, and safe.

Money-back guarantee

You have to be 100% sure of the quality of your product to give a money-back guarantee. This describes us perfectly. Make sure that this guarantee is totally transparent.

Read more

Zero-plagiarism guarantee

Each paper is composed from scratch, according to your instructions. It is then checked by our plagiarism-detection software. There is no gap where plagiarism could squeeze in.

Read more

Free-revision policy

Thanks to our free revisions, there is no way for you to be unsatisfied. We will work on your paper until you are completely happy with the result.

Read more

Privacy policy

Your email is safe, as we store it according to international data protection rules. Your bank details are secure, as we use only reliable payment systems.

Read more

Fair-cooperation guarantee

By sending us your money, you buy the service we provide. Check out our terms and conditions if you prefer business talks to be laid out in official language.

Read more