Banking Industry
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Avg score: 4% • Most missed: “Ratios of capital to risk weighted assets”
Banking Industry
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25 Questions

1. Geographic branching restrictions -restrictions on permissible activities of banks

2. Push banks to local lending; lower costs of risk -liquidity -and info

3. Restricting bank to a single bank (unit banking) -restricting banks to branches within a narrow geographic area (limited branching) -restricting banks to branches within a single state (statewide branching)

4. Companies that own more than one bank

5. Spreading of bad news about one bank to include other banks

6. Made after several bank failures - began insuring deposits up to $2500 - now insures up to $100 - 000 - allows banks to hold less equity capital and earn higher returns FDIC

7. Offer some protection against loss but have a limited life and may carry an interest obligation

8. When banks can participate in non-financial activities

9. Will reimburse the saver for funds lost

10. Most savings and loan associations are members of the ________

11. Allowed banks to get around branching restrictions even further (80s-90s)

12. Restricting banks to branches within a narrow geographic area

13. Ultimate source of credit to banks for panic waves; illiquid loans become collateral in exchange for the cash needed now;

14. Total capital must exceed 6% of total risk-weighted assets adn Tier 1 capital must exceed 3% of total risk-weighted assets; leverage ration must exceed 4%

15. Total of capital of at least 10% of risk-weighted assets and Tier 1 capital of at least 6% of risk-weighted assets; leverage ratio must exceed 5%

16. Pays off depositors - purchases and assumes control of the bank

17. Restricting banks to branches within a single state

18. Grade regulators will give after examining a bank

19. Banks have less ability to diversify assets; raise exposure to credit risk

20. Creation of Federal Reserve System (1913) - Federal Deposit Insurance Corporation (FDIC-1934) - restrictions on bank competition

21. Protected small banks from large banks

22. Germany - France - Luxembourg - Netherlands

23. Repealed Glass- Steagall by allowing ownership of banks by securities and insurance firms and allowed banks to participate in securities - insurance -and real estate

24. Supervised by Office of Comptroller of the Currency (OCC) in US Treasury department; originally issued banks notes as currency

25. Capital to total average assets

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