商业银行管理彼得S.罗斯英文原书第8版 英语试题库Chap005
22页1、Chapter 5The Financial Statements of Banks and Their Principal CompetitorsFill in the Blank Questions1.Fed funds purchased is an example of _ along with Eurodollar borrowings. Answer: nondeposit borrowings 2.The short term securities of the bank, including T-Bills and commercial paper, are often called _ because they are the second line of defense to meet demands for cash. Answer: secondary reserves 3._ is a noncash expense on the banks income statement which allows the bank to account for futur
2、e bad loans. Answer: Provision for loan losses 4._ is the difference between interest income and interest expenses for a financial institution. Answer: Net interest income 5._ are the primary long term liabilities of the bank. These liabilities are paid only after deposits have been paid in the event of bankruptcy. Answer: Subordinated notes and debentures 6.A(n)_ is where the financial institution agrees to guarantee repayment of a customers loan received from a third party. Answer: standby cre
3、dit agreement 7.A(n)_ is a short term collateralized loan. The collateral that is used generally consists of T-Bills. Answer: repurchase agreement 8.A(n)_ is a deposit account which pays an interest rate competitive with money market mutual funds and which generally has limited check writing ability. Answer: money market deposit account 9._ is the sum of all outstanding IOUs owed to the bank in the form of consumer, real estate, commercial and agriculture loans as well as other types of credit e
4、xtensions. Answer: gross loans 10.A financial institution often records the value of its assets and liabilities at _ which is the original or historical cost of the asset. Answer: book value 11.The principal types of_ include fee income, income from fiduciary activities and services charges on deposits. Answer: noninterest income 12.The_ shows the amount of revenues received and expenses incurred over a specific time period. Answer: Report of Income (income statement) 13.The_ lists the assets, l
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