第三个loan loss

NO.PZ2016072602000045

问题如下：

Consider a bank balance sheet with (1) common stock of USD 600,000,000;

(2) unrealized long-term marketable equity securities gain: USD 5,000,000;

(3) allowance in anticipation of possible credit losses: USD 5,000,000;

(4) goodwill: USD 30,000,000.

Based solely on this information, the tier 1 and tier 2 capital numbers are respectively:

选项：

USD 595,000,000, USD 45,000,000

USD 570,000,000, USD 10,000,000

USD 600,000,000, USD 15,000,000

USD 630,000,000, USD 20,000,000

解释：

B is correct. Tier 1 capital consists of equity minus goodwill, or USD 570 million. Tier 2 capital includes asset revaluation reserves of $5 million and loan loss reserves of $5 million. For this question, it is sufficient to find the correct number for tier 1 capital.

怎么区分是general loan loss provision还是specific provision

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1 个答案

李坏_品职助教 · 2025年02月14日

嗨，从没放弃的小努力你好：

题目只要没有特别说明，直接默认为general provision，计入Tier 2 capital即可。

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