问一道题：NO.PZ201812170100000203

* 问题详情，请查看题干

问题如下：

Based only on Exhibit 2, which of the following statements is correct?

选项：

The quality of earnings for R- bank was the highest in 2009.

Relative to the other banks, N- bank has the highest quality of earnings in 2017.

Trading represented a sustainable revenue source for T- bank between 2005 and 2013.

解释：

B is correct.

The quality of earnings is directly related to the level of sustainable sources of income. Trading income tends to be volatile and not necessarily sustainable. Higher- quality income would be net interest income and fee- based service income. Because N- bank’s 2017 trading revenue contribution is the lowest relative to other banks, its quality of earnings would be considered the best of the three banks.

老师，A为什么错误？

添加评论

1 个答案

已采纳答案

Olive_品职助教 · 2020年08月14日

嗨，爱思考的PZer你好：

exibit2提供的信息是：各年份，“trading”带来的收入，占总revenue的比重。

CAMELS里的E指的是earning的质量，bank的earning中，质量最高的是net interest income ，其次是service income，最次是trading income。所以trading income占比高不是好事。R-bank 2009年的earning quality是最差的。

解析里也写得挺清楚的： Trading income tends to be volatile and not necessarily sustainable. Higher- quality income would be net interest income and fee- based service income.

-------------------------------
就算太阳没有迎着我们而来，我们正在朝着它而去，加油！

添加评论

1
回答
1
关注
664
浏览

我要回答关注问题

相关问题

NO.PZ201812170100000203 问题如下 Baseonly on Exhibit 2, whiof the following statements is correct? A.The quality of earnings for R-bank wthe highest in 2009. B.Relative to the other banks, N-bank hthe highest quality of earnings in 2017. Trang representea sustainable revenue sourfor T-bank between 2005 an2013. B is correct. The quality of earnings is rectly relateto the level of sustainable sources of income. Trang income ten to volatile annot necessarily sustainable. Higher-quality income woulnet interest income anfee- baseserviincome. Because N-bank’s 2017 trang revenue contribution is the lowest relative to other banks, its quality of earnings woulconsirethe best of the three banks.解析考点Analysis of FinanciInstitutions - Analyzing A Bank - The CAMELS Approa- Earnings 在 CAMELS 的 EEarnings 中，我们介绍过银行的利润来源质量最高的是 net interest income ，其次是 serviincome，最后是 trang income。因为 trang income 主要赚的是金融产品价格的价差，但是金融市场波动比较大。所以 1）trang income 不稳定；2）更大比例的 net interest income 和 serviincome 通常比 trang income 更具有可持续性Exibit 2 提供的信息是各年份，trang income，占总 revenue 的比例。比例越高，银行的盈利质量就越差。 A 错误。2009 年 R-bank 的数据为 17.0%，trang income 占总盈利的比例，为三个银行中最高，所以盈利质量最「差」。而 A 的描述是 highest，错误。 B 正确。2017 年，N-bank 的数值为 4.2%，trang income 占总盈利的比例，为三个银行中最低，所以盈利质量最「好」。 B 描述是 highest，正确 C 错误。可持续的收入来源，应该是 net interest income 和 serviincome。而 C 的描述是 trang income，错误。服务费和净利息收入，哪一个更稳定？

2023-04-16 21:59 1 · 回答

问一道题：NO.PZ201812170100000203

1 个答案

1

1

664

相关问题