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1、Chapter 13The Effective Use of Capital1. Prior to the Basle Agreement, primary capital included all of the following except:a. long-term subordinated debt.b. common stock.c. undivided profits.d. perpetual preferred stock.e. the allowance for loan losses.Answer: a2. Prior to the Basle Agreement, seco
2、ndary capital included which of the following?a. The allowance for loan lossesb. Limited-life preferred stockc. Long-term subordinated debtd. All of the abovee. b. and c.Answer: b3. Which of the following was not part of the Basle Agreement?a. Banks required capital was linked to its composition of
3、assets.b. Banks are required to operate with a minimum level of equity.c. The ownership of equity by banks was prohibited.d. Capital requirements across countries were standardized.e. The minimum total capital requirements were set to 8% of risk-adjusted assets.Answer: c4. Under current capital requ
4、irements, Tier 1 Capital takes of all of the following into account except:a. common stockholders equity.b. equity in subsidiaries.c. goodwill.d. mandatory convertible debt.e. non-cumulative perpetual preferred stock.Answer: d5. Tier 2 capital consists of all of the following except:a. 30-year subor
5、dinated debt.b. cumulative perpetual preferred stock.c. mandatory convertible preferred stock.d. preferred stock with a maturity of 7 years.e. equity in subsidiaries.Answer: eUse the following information for questions 6 - 11.6. How much Tier 1 capital does the bank have?a. $100b. $450c. $700d. $750
6、e. $1000Answer: dIn this case, Tier 1 Capital = Common Stock + Surplus + Retained EarningsTier 1 Capital = $100 + $300 + $350 = $7507. What is the amount of risk-adjusted assets for the bank?a. $7,700b. $8,700c. $9,700d. $14,700e. $15,700Answer: b8. The minimum Tier 1 capital for this bank is:a. $34
7、8b. $450c. $509d. $581e. $696Answer: aMinimum Tier 1 Capital = 4% * Risk-Adjusted Assets = 4% * $8,700 = $3489. The minimum total capital for this bank is:a. $348b. $450c. $509d. $581e. $696Answer: eMinimum Total Capital = 8% * Risk-Adjusted Assets = 8% * $8,700 = $69610. The minimum leverage capita
8、l for this bank is:a. $348b. $450c. $509d. $581e. $696Answer: bMinimum Leverage Capital = 3% * (Total Assets Goodwill) = 3% * ($15,000 - $0) = $45011. What is the total amount of the banks regulatory capital?a. $500b. $700c. $750d. $1,000e. $1,300Answer: dIn this case, Total Regulatory Capital = Com
9、mon Equity + Subordinate Debt = $750 + $250 = $1,000.12. To be considered well-capitalized, a banks minimum Tier 1 capital, total capital, and leverage capital must be:a. 4%, 8%, and 3%, respectively.b. 8%, 5%, and 3%, respectively.c. 10%, 10%, and 10%, respectively.d. 6%, 10%, and 5%, respectively.
10、e. 3%, 4%, and 8%, respectively.Answer: d13. A bank that does not meet the minimum levels for Tier 1 capital, total capital, and leverage capital ratios is classified as:a. well-capitalized.b. adequately capitalized.c. undercapitalized.d. significantly undercapitalized.e. critically undercapitalized
11、.Answer: e14. How does bank capital reduce bank risk?a. It provides a cushion for firms to absorb losses.b. It creates unlimited growth opportunities.c. It limits access to the financial markets.d. All of the above.e. a. and b.Answer: a15. Why do regulators prefer higher capital requirements?a. It j
12、ustifies the existence of regulatory agencies.b. It better protects the deposit insurance fund.c. It enhances bank asset quality.d. It decreases bank profitability.e. It increases bank leverage.Answer: b16. Why do banks generally prefer lower capital requirements?a. To minimize the impact shareholde
13、rs have on management decisions.b. To increase the influence of bank regulators.c. To increase a banks return on equity.d. To increase depositor protection.e. To maximize operating leverage.Answer: c17. How do capital requirements constrain bank growth?a. By discouraging investments in Treasury secu
14、rities.b. By disallowing the ownership of mortgage loans.c. By decreasing a banks net interest margin.d. By limiting the amount of new assets that a bank can acquire through debt financing.e. By reducing a banks CAMELS ratings.Answer: d18. Which of the following is not a weakness of risk-based capit
15、al standards?a. They ignore interest rate risk.b. They ignore the value of deposit insurance.c. They ignore changes in the market value of assets.d. They ignore credit risk.e. They ignore the value of a banks charter.Answer: dUse the following information for questions 20 - 22.A bank currently just meets its total capital requirements of 8%. The bank currently has a dividend payout ratio of 35%. Assets are expected to grow at 5%. 19. What is the required ROA t
