Pro Banker 2025/2026 QUESTIONS AND ANSWERS
GUARANTEE A+
ProBanker's Discount Window lending differs from the federal reserve lending facility - In
Probanker the DWA lending is unsecured quite expensive compared to Fed Funds and can be
provided in very large amounts
Which ratio do investors use to measure your bank's riskiness? - Net total assets to tier 1 capital
bank is being rationed by - ... you compare your requested CD columes to the amounts that
actually appear on your balance sheet, if you asked for 100 million of ner 4 period CDS and got
only 73 million you know that the market is rationing your issuance of these uninsured
obligations
each bank must hold equity capital equal to - minimum percentage of its credit risk weighted
assets
reserve requirement found during the ProBanker - 0% on negotiable certificates of deposit and
PASS, IRA, and RCD balances and 10% on Demand Deposits: DDR and DDC
rate ceiling on all of the following deposit products - Retail Cds, Passbook, LTRDs, and retail
and corporate Demand Deposits.
additional cost of taking in bank deposits - unreimbursed costs of servicing liability side
customers, advertising to attract new deposit customers and deposit insurance premia
Because customer relationship effects make customers slow to switch banks even when market
rates change, the effective maturities - make adjustment to your maturity gap to incorporate this
effect
GUARANTEE A+
ProBanker's Discount Window lending differs from the federal reserve lending facility - In
Probanker the DWA lending is unsecured quite expensive compared to Fed Funds and can be
provided in very large amounts
Which ratio do investors use to measure your bank's riskiness? - Net total assets to tier 1 capital
bank is being rationed by - ... you compare your requested CD columes to the amounts that
actually appear on your balance sheet, if you asked for 100 million of ner 4 period CDS and got
only 73 million you know that the market is rationing your issuance of these uninsured
obligations
each bank must hold equity capital equal to - minimum percentage of its credit risk weighted
assets
reserve requirement found during the ProBanker - 0% on negotiable certificates of deposit and
PASS, IRA, and RCD balances and 10% on Demand Deposits: DDR and DDC
rate ceiling on all of the following deposit products - Retail Cds, Passbook, LTRDs, and retail
and corporate Demand Deposits.
additional cost of taking in bank deposits - unreimbursed costs of servicing liability side
customers, advertising to attract new deposit customers and deposit insurance premia
Because customer relationship effects make customers slow to switch banks even when market
rates change, the effective maturities - make adjustment to your maturity gap to incorporate this
effect
