BNK601 - Banking Laws & Practices
Question(s) similar to the following:
All of the following are salient features of Current Profit Driven Culture of the bank, EXCEPT:
Question 1: All of the following are salient features of Current Profit Driven Culture of the bank, EXCEPT:
Primary emphasis is on loan volume and growth with the intent of having the largest market share
Underwriting is very aggressive and management accepts loan concentrations and above-average credit risk
Outcome is typically higher profit in good times, followed by lower profit in bad times when loan losses increase
Outcome is that loan quality suffers over time, while profit is modest because loan growth comes from below-market pricing and greater risk taking
Similar Questions:
Question 2: All of the following are salient features of Current Profit Driven Culture of the bank, EXCEPT:
Primary emphasis is on loan volume and growth with the intent of having the largest market share
Underwriting is very aggressive and management accepts loan concentrations and above-average credit risk
Outcome is typically higher profit in good times, followed by lower profit in bad times when loan losses increase
Outcome is that loan quality suffers over time, while profit is modest because loan growth comes from below-market pricing and greater risk taking
Question 3: All of the following are salient features of Value Driven Culture of the bank, EXCEPT:
Focus is on credit quality with strong risk management systems and controls
Primary emphasis is on bank soundness and stability and a consistent market presence
Underwriting is conservative and significant loan concentrations are not allowed
Management is often attracted to high-risk and high-return borrowers
Quizzes of BNK601 - Banking Laws & Practices
Question 1: All of the following are salient features of Current Profit Driven Culture of the bank, EXCEPT:
Primary emphasis is on loan volume and growth with the intent of having the largest market share
Underwriting is very aggressive and management accepts loan concentrations and above-average credit risk
Outcome is typically higher profit in good times, followed by lower profit in bad times when loan losses increase
Outcome is that loan quality suffers over time, while profit is modest because loan growth comes from below-market pricing and greater risk taking
Similar Questions:
Question 2: All of the following are salient features of Current Profit Driven Culture of the bank, EXCEPT:
Primary emphasis is on loan volume and growth with the intent of having the largest market share
Underwriting is very aggressive and management accepts loan concentrations and above-average credit risk
Outcome is typically higher profit in good times, followed by lower profit in bad times when loan losses increase
Outcome is that loan quality suffers over time, while profit is modest because loan growth comes from below-market pricing and greater risk taking
Question 3: All of the following are salient features of Value Driven Culture of the bank, EXCEPT:
Focus is on credit quality with strong risk management systems and controls
Primary emphasis is on bank soundness and stability and a consistent market presence
Underwriting is conservative and significant loan concentrations are not allowed
Management is often attracted to high-risk and high-return borrowers
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