商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap005Word格式文档下载.docx
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商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap005Word格式文档下载.docx
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becausetheyarethesecondlineofdefensetomeetdemandsforcash.
secondaryreserves
3. isanoncashexpenseonthebank'
sincomestatementwhichallowsthebanktoaccountforfuturebadloans.
Provisionforloanlosses
4. isthedifferencebetweeninterestincomeandinterestexpensesforafinancialinstitution.
Netinterestincome
5. aretheprimarylongtermliabilitiesofthebank.Theseliabilitiesarepaidonlyafterdepositshavebeenpaidintheeventofbankruptcy.Answer:
Subordinatednotesanddebentures
6.A(n) iswherethefinancialinstitutionagreestoguaranteerepaymentofacustomer'
sloanreceivedfromathirdparty.
standbycreditagreement
7.A(n) isashorttermcollateralizedloan.ThecollateralthatisusedgenerallyconsistsofT-Bills.
repurchaseagreement
8.A(n) isadepositaccountwhichpaysaninterestratecompetitivewithmoneymarketmutualfundsandwhichgenerallyhaslimitedcheckwritingability.
moneymarketdepositaccount
Rose/Hudgins,BankManagementandFinancialServices,8/e
77
9. isthesumofalloutstandingIOU'
sowedtothebankintheformofconsumer,realestate,commercialandagricultureloansaswellasothertypesofcreditextensions.
grossloans
10.Afinancialinstitutionoftenrecordsthevalueofitsassetsandliabilitiesat whichistheoriginalorhistoricalcostoftheasset.
bookvalue
11.Theprincipaltypesof includefeeincome,incomefromfiduciaryactivitiesandserviceschargesondeposits.
noninterestincome
12.The showstheamountofrevenuesreceivedandexpensesincurredoveraspecifictimeperiod.
ReportofIncome(incomestatement)
13.The liststheassets,liabilitiesandequitycapitalheldbythebankonagivendate.
ReportofCondition(balancesheet)
14. islabeled"
AccountingforDerivativeInstrumentsandHedgingActivities."
Answer:
FASB133
15. labeled“AccountingforDerivativeInstrumentsandHedgingActivities”anditsrecentamendments,FASB138,aredesignedtomakederivativesmorepubliclyvisibleoncorporatefinancialstatements.
16.Under banksmustaccountfortheexpectedlossofinterestincomeonnonperformingloanswhencalculatingtheirloan-lossprovision.
FASB114
17.Temporarilybuyingandsellingsecuritiesbyasecuritiesfirminathinlytradedmarketsoastoinfluencethepriceisknownas .
paintingthetape
18.Theactivityofmanipulatingthefinancialstatementstoartificiallyenhancethebanksfinancialstrengthisknownas .
windowdressingor‘creativeaccounting’
19. isdirectandindirectinvestmentinrealestate.Thesearepropertiesobtainedforcompensationsfornonperformingloans.
OtherRealEstateOwned(OREO)
20. consistsofinterestincomereceivedonloansfromcustomersthathasnotyetbeenearnedbythebankunderaccrualaccountingmethods.
Unearneddiscountincome
21. canbeheldbyindividualsandnonprofitinstitutions,bearinterestandpermitdraftsfrombeingwrittenagainsttheaccounttopaythirdparties.
Nowaccounts
22.Intheworldwidebankingsystem, representtransferabletimedepositsinavarietyofcurrenciesandareoftentheprincipalsourceofshorttermborrowsbybanks.Answer:
EurocurrencyBorrowings
23.Onepartof arisesfromfeeschargedforATMandPOStransactions.Answer:
OtherNoninterestIncome
24.Feesthatarisefromafinancialfirm’strustactivities,feesformanagingacorporations’interestanddividendpaymentsandfeesformanagingcorporateorindividualretirementplansareallincludedinthecategoryoffeesarisingfrom .
fiduciaryactivities
25.Checkingaccountmaintenancefeesandoverdraftfeesareincludedinthenoninterestincomeaccountunder .
servicechargesondepositaccounts
True/FalseQuestions
T F26.Onabank'
sincomestatement(ReportofIncome)depositcostsarefinancialinputs.
True
T F27.Loansandleasesarefinancialoutputsonafinancialinstitution'
sbalancesheetorReportofCondition.
T F28.Nondepositborrowingsareafinancialinputonabank'
T F29.Thecostofnondepositborrowingsisafinancialinputonabank'
sincomestatementorReportofIncome.
T F30.Securitiesincomeisafinancialoutputliste
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