Which of the following banking functions is NOT a Core Banking function?
IFE S4 Banking

Quiz
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Financial Education
•
University
•
Hard

Atilla Gumus
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10 questions
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1.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Making loans
Providing a payment system
Investing in financial instruments
Taking deposits
2.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Which of the following events lowers bank capital?
The value of loans the bank has given to clients falls because of unexpected defaults.
The securities the bank holds double in value.
The clients of a bank withdraw half of their deposits.
The bank uses half of its excess reserves to issue new loans.
3.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Which of the following statements is correct?
Through the function of lending money, banks help distributing funds efficiently.
Through the function of lending money banks always ensure a more equal distribution of wealth.
Lending money is always a gamble for banks and is only viable because in case the loans turn sour the government intervenes.
Banks will mostly look for short-term loans to minimise liquidity risk.
4.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
The return on assets (ROA) is calculated as:
total assets / net profit after tax
net profit after tax / total assets
equity capital / net profit after tax
net profit after tax / equity capital
5.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
Why can the return on equity be sometimes misleading?
Because one could increase the return on equity by decreasing equity and replacing it with external funds.
Because one cannot trust accountants in general.
Because it can be artificially increased by just borrowing more money and use the extra cash as excess reserves.
Because it can be artificially increased by raising more equity.
6.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
How can the net interest margin (NIM) formula be written?
interest revenue / total assets
(interest revenue - interest expenses) / total assets
total assets / (interest revenue - interest expenses)
interest expenses / total assets
7.
MULTIPLE CHOICE QUESTION
30 sec • 1 pt
In which two categories can investment banking activities be split?
Profitable activities and very profitable activities
Household facing activities and company facing activities
Profit making activities and loss making activities
Corporate activities and market activities
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