2024 CLFP Recertification Quiz #2: Sources of Funding/Capital Allocation CLFP Recertification: Quiz #2: Sources of Funding/Capital Allocation 1. The fallout from the 2023 U.S. bank failures has prompted lenders/lessors to do which of the following (select all that apply)? * Carefully consider their capital bases. Carefully consider their internal compliance policies. Carefully consider their risk/reward appetite. Carefully consider their hybrid/remote/office location decisions. 2. According to the U.S. Government Accountability Office, the primary drivers for the 2023 U.S. bank failures was/were the following (select all that apply)? * Limited market focus. Slow market growth. Rapidly increasing interest rates. Bank UDAAP violations. 3. Individuals/consumers consider a deposit a(n) _______. However, banks consider deposits a(n) _______. * Liability; Asset. Asset; Liability. Equity interest; Liability. Asset; Equity interest. 4. Regulatory requirements require certain large banks to identify unrealized losses on their investment portfolios. This causes which of the following to occur? * Reduction of the bank’s liabilities. Increase in the bank’s assets. Reduction of the bank’s regulatory capital position. Increase in the bank’s risk tolerance. 5. What is the name of the international regulatory requirement that is anticipated to result in increased capital requirements for banks? * Basel I. Basel II. Basel III. Basel IV. Name * Name First First Last Last Email * If you are human, leave this field blank. Submit
