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ECN 324

ECN 324. Phase 3 Exam Review Chapters 17 - 25. Commercial Bank Operations [17]. Bank Sources of Funds? Bank Uses of Funds? What is the role of Federal Funds? What is a REPO agreement ? Where do banks keep their reserves? What is the prime rate? Who gets it?. Bank Regulation [18].

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ECN 324

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  1. ECN 324 Phase 3 Exam Review Chapters 17 - 25 Dr. David P. Echevarria

  2. Commercial Bank Operations [17] • Bank Sources of Funds? • Bank Uses of Funds? • What is the role of Federal Funds? • What is a REPO agreement? • Where do banks keep their reserves? • What is the prime rate? Who gets it? Dr. David P. Echevarria

  3. Bank Regulation [18] • 1. Who regulates national banks? State banks? • 2. What is Regulation Q? • 3. What are the main implications of the Basel accords? • 4. What banks are required to insure deposits with FDIC? • 5. What does CAMEL stand for and its use in bank oversight? Dr. David P. Echevarria

  4. Bank Management [19]Bank Performance [20] • 1. How do banks experience illiquidity? • 2. What is the GAP and in what two ways do banks measure it? When is the bank in trouble? • 3. How can banks reduce their capital requirements? • 4. How do banks manage credit risk? • 5. How many different ways do banks earn money? Dr. David P. Echevarria

  5. Thrift Operations [21 ] • 1. What is the primary source of funds for thrift institutions? • 2.Who regulates savings institutions? • 3. What term is applied to a bank that is owned by its depositors? • What is the role of the Central Liquidity Facility? • What do credit unions require to be a member? Dr. David P. Echevarria

  6. Finance Company Operations [22] • 1. How do Consumer finance companies differ from business finance companies? • 2. Where do finance companies get their funds? • 3. What are the three main sources of risk faced by all lenders? Dr. David P. Echevarria

  7. Mutual Fund Operations [23] • 1. How do open-end funds differ from closed-end funds? • 2. What is Net Asset Value (NAV) and how does it relate to mutual funds? • 3. What are index funds? • 4. What are REITs? • 5. How do Venture Capital funds differ from Mutual Funds? Dr. David P. Echevarria

  8. Securities Operations [24 ] • 1. What are the four primary functions of investment bankers? • 2. What does the term "underwrite" mean to an issuer of securities? • 3. How does a registration statement differ from a prospectus? • 4. What federal agency regulates margin requirements? • 5. What is the most important effect of the Financial Services Modernization Act (1999)? Dr. David P. Echevarria

  9. Insurance and Pension Fund Operations [25 ] • 1. How does a term insurance differ from whole life insurance? • 2. Why are insurance companies so sensitive to interest rate fluctuations? • 3. What function does the NAIC perform? • 4. How do defined benefit plans differ from defined contribution plans? Dr. David P. Echevarria

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