Commercial Bank Management Exam
its convenience. The primary appeal of online banking is:
most of their income is subsidiary paid dividends, of Bank holding companies and financial holding companies generally do not pay
which 80% is tax-exempt. income tax because:
Multibank holding company __________ control at least two commercial banks.
-purchasing troubled assets. In 2008, the U.S. Treasury supported financial institutions by:
-buying preferred stock in some financial institutions.
-issuing guarantees on money market funds.
-increasing the deposit insurance limit.
Bank Holding Company Act Which act limited the activities a company could engage in if it owned a bank?
to broaden the scope of products the bank can offer Today, the primary motivation behind forming a bank holding company is:
A financial holding company may own all of the above. A financial holding company cannot own which of the following?
A bank.
A bank holding company.
A thrift.
A thrift holding company
They typically have assets in excess of $1 billion. Which of the following is false regarding community banks?
one-bank holding companies Many insurance companies have formed __________ to operate banks as part of
their financial services efforts.
Interest Only Which of the following mortgage types were offered to "subprime" borrowers?
Option Adjustable-Rate
Glass-Steagall Act Which act separated commercial banking, investment banking and insurance
into three separate industries?
Securitization ______________ refers to the process of pooling a group of assts with similar features
and issuing securities that are collateralized by the assets.
engage in investment banking activities. Banks created Section 20 affiliates to:
received an unsatisfactory in its most recent Community The Federal Reserve may prevent the formation of a financial holding company
Reinvestment Act exam. if one of its insured depository institution subsidiaries:
Term Auction Facility Which of the following allows depository institutions to borrow for a fixed term
against a variety of collateral that is normally accepted for discount window
loans?
, Commercial Bank Management Exam
protect depositors. A primary purpose of maintaining the safety and soundness of banks is to:
State banking department. A new charter to start a state bank must be obtained from the:
Financial Institutions Reform, Recovery and The _________ created the Office of Thrift Supervision.
Enforcement Act
Open market operations Which of the following is the most flexible of the Fed's tools for implementing
monetary policy?
Z Federal Reserve Reg. ____ requires disclosure of as to why a costumer was
denied credit.
Office of the Comptroller of the Currency Which of the following officially designates a bank as insolvent?
short-term business credit. Commercial banks mostly specialize in:
Changes in the fed funds rate Which of the following is not one of the Fed's monetary policy tools?
Federal Deposit Insurance Corporation Improvement The _________ mandated that the FDIC take prompt corrective action in dealing
Act with bank failures.
$5,000 Originally, the FDIC insured deposits up to:
To allow banks to pay market rates on deposits. Which of the following was a goal of the Depository Institutions Deregulation
and Monetary Control Act of 1980?
Gramm-Leach-Bliley Act The _________ requires disclosure of a bank's privacy policy.
Only a. and c. are correct. Which of the following statements is/are correct?
a.Higher capital requirements often result in a higher cost of capital for banks.
b.Small banks have greater access to the equity markets than large banks.
c.Higher capital requirements encourage small banks to consolidate into larger
banks.
d.All of the above are correct.
e.Only a. and c. are correct.
its convenience. The primary appeal of online banking is:
most of their income is subsidiary paid dividends, of Bank holding companies and financial holding companies generally do not pay
which 80% is tax-exempt. income tax because:
Multibank holding company __________ control at least two commercial banks.
-purchasing troubled assets. In 2008, the U.S. Treasury supported financial institutions by:
-buying preferred stock in some financial institutions.
-issuing guarantees on money market funds.
-increasing the deposit insurance limit.
Bank Holding Company Act Which act limited the activities a company could engage in if it owned a bank?
to broaden the scope of products the bank can offer Today, the primary motivation behind forming a bank holding company is:
A financial holding company may own all of the above. A financial holding company cannot own which of the following?
A bank.
A bank holding company.
A thrift.
A thrift holding company
They typically have assets in excess of $1 billion. Which of the following is false regarding community banks?
one-bank holding companies Many insurance companies have formed __________ to operate banks as part of
their financial services efforts.
Interest Only Which of the following mortgage types were offered to "subprime" borrowers?
Option Adjustable-Rate
Glass-Steagall Act Which act separated commercial banking, investment banking and insurance
into three separate industries?
Securitization ______________ refers to the process of pooling a group of assts with similar features
and issuing securities that are collateralized by the assets.
engage in investment banking activities. Banks created Section 20 affiliates to:
received an unsatisfactory in its most recent Community The Federal Reserve may prevent the formation of a financial holding company
Reinvestment Act exam. if one of its insured depository institution subsidiaries:
Term Auction Facility Which of the following allows depository institutions to borrow for a fixed term
against a variety of collateral that is normally accepted for discount window
loans?
, Commercial Bank Management Exam
protect depositors. A primary purpose of maintaining the safety and soundness of banks is to:
State banking department. A new charter to start a state bank must be obtained from the:
Financial Institutions Reform, Recovery and The _________ created the Office of Thrift Supervision.
Enforcement Act
Open market operations Which of the following is the most flexible of the Fed's tools for implementing
monetary policy?
Z Federal Reserve Reg. ____ requires disclosure of as to why a costumer was
denied credit.
Office of the Comptroller of the Currency Which of the following officially designates a bank as insolvent?
short-term business credit. Commercial banks mostly specialize in:
Changes in the fed funds rate Which of the following is not one of the Fed's monetary policy tools?
Federal Deposit Insurance Corporation Improvement The _________ mandated that the FDIC take prompt corrective action in dealing
Act with bank failures.
$5,000 Originally, the FDIC insured deposits up to:
To allow banks to pay market rates on deposits. Which of the following was a goal of the Depository Institutions Deregulation
and Monetary Control Act of 1980?
Gramm-Leach-Bliley Act The _________ requires disclosure of a bank's privacy policy.
Only a. and c. are correct. Which of the following statements is/are correct?
a.Higher capital requirements often result in a higher cost of capital for banks.
b.Small banks have greater access to the equity markets than large banks.
c.Higher capital requirements encourage small banks to consolidate into larger
banks.
d.All of the above are correct.
e.Only a. and c. are correct.
