Financial Institutions Management A Risk Management Approach 8th Edition Saunders Test Bank
Financial Institutions Management A Risk Management Approach 8th Edition Saunders Test Bank
Financial Institutions Management A Risk Management Approach 8th Edition Saunders Test Bank
https://testbankfan.com/download/financial-institutions-management-a-risk-managem
ent-approach-8th-edition-saunders-test-bank/
Chapter 02
1. In recent years, the number of commercial banks in the U.S. has been increasing.
True False
2. Most of the change in the number of commercial banks since 1990 has been due to bank failures.
True False
3. Commercial banks have had limited power to underwrite corporate securities since 1987.
True False
4. Large money center banks finance most of their activities by using retail consumer deposits as the
True False
5. Currently, federal standards do not allow investment banks to covert to a bank holding company
structure.
True False
2-1
Copyright © 2014 McGraw-Hill Education. All rights reserved. No reproduction or distribution without the prior written consent of
McGraw-Hill Education.
True False
7. In terms of total assets, commercial banks with under $1 billion in assets have become a larger
segment of the industry in recent years.
True False
8. Money center banks rely more heavily on wholesale and borrowed funds as sources of liability
True False
9. Large banks tend to make business decisions based on personal knowledge of customers
creditworthiness and business conditions in the local communities.
True False
10. All banks with assets greater than $10 billion are considered money center banks.
True False
11. Since 1990, commercial banks decreased the proportion of business loans and increased the
True False
2-2
Copyright © 2014 McGraw-Hill Education. All rights reserved. No reproduction or distribution without the prior written consent of
McGraw-Hill Education.
12. The growth of the commercial paper market has led to a decline in the demand for business loans
True False
13. The securitization of mortgages involves the pooling of mortgage loans for sale in the financial
markets.
True False
14. By converting to a bank holding company, an investment bank gains access to Federal Reserve
lending facilities.
True False
15. Large money center banks are often primary dealers in the U.S. Treasury markets.
True False
16. Because of the large amount of equity on a typical commercial bank balance sheet, credit risk is
True False
17. Lehman Brothers failed during the recent financial crisis despite having access to the low cost
True False
2-3
Copyright © 2014 McGraw-Hill Education. All rights reserved. No reproduction or distribution without the prior written consent of
McGraw-Hill Education.
Another random document with
no related content on Scribd:
One Perch to Fifty Acres and upwards in extent, and intended for the
instruction of those who know little of Gardening and rural affairs.
ENVELOPES, from the best Paper, and well made, 9d. the 100.
Envelope Cases in great variety, plain and illuminated, from 6s.
each. Blotting Books, from 1s. each. An extensive assortment of
Albums, in plain and elegant bindings. A Box to hold Miscellaneous
Music, elegantly bound, for 5s. 6d. A Travelling Writing Desk, 10
inches, 15s. 6d.; 12 inches, 16s. 6d.; 14 inches, 18s. Writing Papers,
plain and gilt, 4d., 6d., 8d., 10d., and 1s., the quire. Note Papers, at
3d., 4d., and 6d. the quire, at LIMBIRD’S STATIONERY and MUSIC
WAREHOUSE, 143, Strand, opposite Catherine Street, near
Somerset House.
These Pens are made in every variety, suitable for the MEDICAL
and LEGAL PROFESSIONS, BANKING, MERCANTILE, and
GENERAL PURPOSES, and for SCHOOLS.
It is requisite to state, as a general
“CAUTION,” that the name, “JOSEPH
GILLOTT,” is marked in full on EVERY
GENUINE PEN, and Vendors are
desired to note that his Cards of Pens
are made up in Packets of One Dozen each, and have a label
outside, with a fac-simile of his Signature.
The Genuine GILLOTT’S PENS may usually be obtained at the
regular dealers’ shops at as low prices as are generally demanded
by itinerant dealers, and others, for those very inferior articles which
are frequently palmed upon the Public as the real GILLOTT’S PENS.
☞ At the request of Persons extensively engaged in Tuition, J. G.
has introduced his WARRANTED SCHOOL PENS, which are
especially adapted to their use, being of different degrees of
flexibility, and with fine, medium, and broad points.
WHOLESALE AND FOR EXPORTATION AT THE
WAREHOUSE, 95, NEW-STREET, BIRMINGHAM,
ALSO AT
37, GRACECHURCH-STREET, LONDON,
Under the Management of Mr. FOX, from the Manufactory, or from
any of the WHOLESALE STATIONERS and MERCHANTS in
London, &c.
The great superiority of these Pens has induced their entire
adoption in the Bank of England and Her Majesty’s Public Offices,
where it is known none but the best articles are admitted: such as
the Home and Foreign Offices, the Admiralty and other Public
Boards, the Offices of the India Board, the various Offices at
Somerset-House, the British Museum Library, &c., the General Post-
Office, and others; as well as by a large number of Bankers,
Merchants, and Manufacturers, throughout the Country, and many
Public and Private Schools.
CAUTION TO FAMILIES.
The high reputation of, and consequent great demand for the
undermentioned Preparations, have excited the cupidity of some
SHOPKEEPERS of apparent respectability, but destitute alike of
honour and of talent, who, for the sake of gaining a trifle more profit,
basely attempt to impose their pernicious compounds upon the
public as the real “MACASSAR OIL” for the Hair, and “KALYDOR” for
the Complexion; they copy the bills and labels of the original articles,
substituting either a fictitious name or the word “GENUINE” in the
place of “ROWLAND’S.”
To frustrate such imposition—it is necessary on purchasing either
article, to see that the word “ROWLAND’S” is on the wrapper, as
follows, without which None are Genuine.
ROWLAND’S KALYDOR,
for the Skin and Complexion.—Price 4s. 6d. and 8s. 6d. per bottle.
ROWLAND’S ODONTO,
Or PEARL DENTRIFICE,
renders the Teeth beautifully White, and preserves the Gums.
Price 2s. 9d. per box, duty included.
A. ROWLAND & SON, 20, HATTON GARDEN, LONDON,
is written in red on the wrappers of the Macassar Oil and Kalydor,
and engraven on the Government Stamp affixed on the Kalydor
and the Odonto.
Be sure to ask for “Rowland’s” Articles.
Sold by them and by respectable Chemists and Perfumers.
DAGUERREOTYPE OR
PHOTOGRAPHIC PORTRAITS.
PORTRAITS by Mr. CLAUDET’S INSTANTANEOUS PROCESS,
under the Patronage of her Majesty, are taken daily at the
ADELAIDE GALLERY, LOWTHER ARCADE, STRAND. The Sitting
generally occupies less than One Second, by which faithful and
pleasing Likenesses are obtained, with backgrounds, the patented
invention of Mr. Claudet, representing Landscapes, the Interior of a
Library, &c. &c.
Price of a Single Portrait, usual size, One Guinea. Portraits and
Groups are also taken on Plates of an enlarged size, and for Lockets
or Brooches as small as may be required.
PAINTED GLASS,
In the ancient or modern style, from the most simple to the richest
designs. Ruby and other Coloured Glass equal to the ancient.
GLASS SHADES,
Round, Oval, or Square, for the preservation of Clocks, Alabaster
Ornaments, Minerals, &c. &c.
Sold, Wholesale and Retail, by CLAUDET & HOUGHTON, at their
Plate, Crown, Sheet, Fluted, and Painted Window Glass
and Glass Shade Warehouse, 89, HIGH HOLBORN, where
Lists of Prices may be had.
TO THE CLERGY.
CITY EQUITABLE CLOTHING ESTABLISHMENT, FLEET-STREET
(Three Doors from Temple-bar).
G. EVANS respectfully yet fearlessly submits the following SCALE
of CONTRACTS to the careful perusal of gentlemen who have been
accustomed to pay exorbitant prices, and to assure them that the
articles will be of the best materials and workmanship, as he intends
to continue that honest and just principle of doing business which he
has hitherto pursued, and which he is happy to find has given such
general satisfaction. His long experience in cutting has qualified him
to give a good fit, and his matured judgment enables him to select
none but the best materials.
Naval and Military Uniforms strictly to regulation, with a careful
regard to economy. Liveries unusually low, considering the superior
articles invariably supplied. Ladies’ Riding Habits, not to be
surpassed in style, quality, or price. Young Gentlemen’s Clothing at
extremely moderate prices.
A List of Prices forwarded to gentlemen who do not wish to
contract.
TABLE OF CONTRACT.