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Author Archives: Anonymous

The Prompt Corrective Action (PCA) framework establishes man…

The Prompt Corrective Action (PCA) framework establishes mandatory regulatory interventions tied to capital ratio triggers. Under PCA, what happens when a bank’s capital ratio falls below the “critically undercapitalized” threshold?

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In Exhibit 2, Panel B shows that Continental National’s depo…

In Exhibit 2, Panel B shows that Continental National’s deposits grew by approximately 11% during the same period that Cornerstone Regional’s deposits fell by nearly 20%. What phenomenon does this pattern most likely reflect?

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A large bank processes 500,000 small business loan applicati…

A large bank processes 500,000 small business loan applications per year using an automated credit scoring algorithm. A community bank processes 200 applications per year using personal interviews and local knowledge. Which statement is correct?

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If Maple Grove Community Bank were to replace $50,000K of it…

If Maple Grove Community Bank were to replace $50,000K of its Treasury securities holdings with $50,000K of new C&I loans, what would be the net effect on its total liquidity creation?

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A FinTech lender originates mortgage loans and immediately s…

A FinTech lender originates mortgage loans and immediately sells them to institutional investors, retaining only a servicing fee. Under the Distinct Value Model, why does this originate-to-distribute model generate less distinct value than a traditional bank holding the same loans? (select all that apply)

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Which of the following is NOT an assumption of the Diamond-D…

Which of the following is NOT an assumption of the Diamond-Dybvig model?

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In the Distinct Value Model, risk management is treated as a…

In the Distinct Value Model, risk management is treated as a key input that enables banks to produce outputs safely and reliably, rather than as a final output of banking operations.

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Using Exhibit 3, calculate the approximate change in Corners…

Using Exhibit 3, calculate the approximate change in Cornerstone Regional’s on-balance-sheet liquidity creation (asset side + liability side only, excluding OBS) between Pre-Crisis Q1Y1 and Peak Crisis Q3Y2. Which direction did on-balance-sheet LC move, and what was the primary driver?

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Under the US dual banking system, a national bank chartered…

Under the US dual banking system, a national bank chartered by the OCC is also a member of which organization(s)?

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A 25-year-old woman presents with fever, dehydration, and HR…

A 25-year-old woman presents with fever, dehydration, and HR 128/min. ECG shows sinus tachycardia. Which underlying driver is most consistent with sinus tachycardia physiology?

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