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.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.docx
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Answer:
nondepositborrowings
2.Theshorttermsecuritiesofthebank,includingT-Billsandcommercialpaper,areoftencalled__________________________becausetheyarethesecondlineofdefensetomeetdemandsforcash.
secondaryreserves
3.__________________________isanoncashexpenseonthebank'
sincomestatementwhichallowsthebanktoaccountforfuturebadloans.
Provisionforloanlosses
4.__________________________isthedifferencebetweeninterestincomeandinterestexpensesforafinancialinstitution.
Netinterestincome
5.__________________________aretheprimarylongtermliabilitiesofthebank.Theseliabilitiesarepaidonlyafterdepositshavebeenpaidintheeventofbankruptcy.
Subordinatednotesanddebentures
6.A(n)__________________________iswherethefinancialinstitutionagreestoguaranteerepaymentofacustomer'
sloanreceivedfromathirdparty.
standbycreditagreement
7.A(n)__________________________isashorttermcollateralizedloan.ThecollateralthatisusedgenerallyconsistsofT-Bills.
repurchaseagreement
8.A(n)__________________________isadepositaccountwhichpaysaninterestratecompetitivewithmoneymarketmutualfundsandwhichgenerallyhaslimitedcheckwritingability.
moneymarketdepositaccount
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."
FASB133
15.________________labeled“AccountingforDerivativeInstrumentsandHedgingActivities”anditsrecentamendments,FASB138,aredesignedtomakederivativesmorepubliclyvisibleoncorporatefinancialstatements.
FASB133
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.
EurocurrencyBorrowings
23.OnepartofarisesfromfeeschargedforATMandPOStransactions.
OtherNoninterestIncome
24.Feesthatarisefromafinancialfirm’strustactivities,feesformanagingacorporations’interestanddividendpaymentsandfeesformanagingcorporateorindividualretirementplansareallincludedinthecategoryoffeesarisingfrom.
fiduciaryactivities
25.Checkingaccountmaintenancefeesandoverdraftfeesareincludedinthenoninterestincomeaccountunder.
servicechargesondepositaccounts
True/FalseQuestions
TF26.Onabank'
sincomestatement(ReportofIncome)depositcostsarefinancialinputs.
True
TF27.Loansandleasesarefinancialoutputsonafinancial
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