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hsl87 · 2024年03月11日

为什么不包括provision

  1. FRM II
  2. Basel Accord

NO.PZ2016072602000046

问题如下：

Consider the following financial data for a bank, in millions of dollars: shareholders5 funds: 627.4; retained earnings: 65.6; undisclosed reserves: 33.5; goodwill: 21.3; subordinated debt: 180.0; specific provisions: 11.7. The ratio of tier 2 to tier 1 capital is:

选项：

A.

30.81%

B.

31.78%

C.

33.53%

D.

34.03%

解释：

B is correct. Tier 1 capital consists of shareholders5 funds plus retained earnings, minus good-will, which is 671.7. Tier 2 capital consists of subordinated debt plus undisclosed reserves, or 213.5. The ratio is 31.78%. Specific provisions cannot be included in risk capital, because they are likely to be absorbed by specific bad loans.

​debt subordinated to depositors with an original maturity of 10 years, cumulative preferred stock and loan loss provision.

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1 个答案

pzqa27 · 2024年03月11日

嗨，从没放弃的小努力你好：


同学你好，specific provisions是银行平时准备的吸收一般损失的准备金，题目里的那些capital是吸收非经常的损失准备的。因此provision并不包含在risk capital 里面。

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