Brainscape's Knowledge GenomeTM

Browse over 1 million classes created by top students, professors, publishers, and experts.


See full index

banking > banking > Flashcards

banking Flashcards

1
Q

This is the term for how banks make money.

A

Net Interest Income

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
2
Q

Term for the amount of loan a portfolio can support.

A

Lending Value or Borrowil
Base

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
3
Q

This is the dual mandate of the Federal Reserve.

A

maximum employment and price stabilization

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
4
Q

These agencies provide oversight to the banking system.

A

Federal Reserve, OCC, FDIC

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
5
Q

This bank had a run on dThis bank had a run on deposit recently

A

SVB

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
6
Q

Residential mortgages are bundled and sold in the secondary market are called.

A

MBS

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
7
Q

These groups are considered financial intermediaries.

A

Hedge Funds, Private Equity, or Banks

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
8
Q

This is the dual mandate of the Federal Reserve.

A

maximum employment and price stabilization

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
9
Q

This is how much each depositor receives in insurance for their deposit.

A

250,000$

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
10
Q

True or false. If a bank is illiquid, automatically insolvent.

A

False

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
11
Q

Reserves required for primary residence

A

10%

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
12
Q

This occurs when there isn’t enough collateral to support a loan

A

MARGIN CALL

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
13
Q

These are the types of reasons for using a SBL

A

Access to liquidity

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
14
Q

True or False. This is the most expensive type of lending.

A

False

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
15
Q

This activity is done every year fol
GSIB banks.

A

Stress Testing

How well did you know this?
1
Not at all
2
3
4
5
Perfectly
16
Q

DTI

A

Debt to Income

17
Q

The tools the Federal Reserve uses to influence the economy.

A

-increase/decrease Fed Fund Rate,
-increase/decrease Discount Rate,
-Purchase Treasuries

18
Q

The Federal Reserve does this to tighten the money supply.

A

Sell Treasuries/ open market transactions

19
Q

This is what an Adjustable Rate Mortgage adjusts to when it matures.

A

1 year SOFR

20
Q

This is how much a non taxable account is discounted by when calculating asset pro forma.

A

40%

banking (1 decks)

Brainscape helps you reach your goals faster, through stronger study habits.
© 2024 Bold Learning Solutions. Terms and Conditions