On Balance Sheet Items (Asset)
Cash
100000
Reserve
3000
Marketable securities
8000
Inventory
2000
Corporate Loans
80000
Loans to wealth management
30000
Mortgage
30000
Unsecured loan
20000
Loan to PLC
35000
Consumer Loan
15000
N/R
1000
Land
2000
Equipment
1000
Total on balance sheet assets
237000
Off Balance Sheet Items (Asset)
Stand by letter of credit
15000
Long term credit commitments
25000
Total off balance sheet items
40000
Liabilities and OE
Demand deposit
70000
Time deposit
90000
Other borrowing
55000
Accruals
2000
N/P
1000
Total Liabilities
218000
OE
19000
Tier 1 capital
20000
Tier 2 capital
15000
(SLC Conversion factor 20%, Unused loan commitment conversion factor 20%) According to BASEL I, (Risk-weighting category: 0% for cash, reserve and marketable securities, 20% for Deposit at other banks and SLC, 50% for home loans, 100% for all loans, Unused commitment) You need to find out if the Narumi Bank is BASEL I compliant and at the same time their interest rate GAP status. If they are not BASEL I compliant, what do they need to do to ensure compliance? Also, if the government increases or decreases treasury bill yield, how will that affect the bank’s NIM? You need to be very specific about your recommendations.
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