QTNHTM_Nhóm7_Chủ đề 3

What does liquidity in commercial banking refer to?

• Ability to generate profits

• Ability to issue loans at low rates

• Ability to meet short-term obligations on time

• Ability to expand branch networks

The main objective of liquidity management in banks is to:

• Maximize loan portfolio

• Minimize capital adequacy

• Balance profitability and safety

• Expand foreign exchange operations

Which of the following is a key indicator of a bank's liquidity risk?

• Return on equity (ROE)

• Loan-to-Deposit Ratio (LDR)

• Net Interest Margin (NIM)

• Capital Adequacy Ratio (CAR)

According to Basel III, the minimum Liquidity Coverage Ratio (LCR) must be:

• 70%

• 85%

• 100%

• 120%

CASA refers to:

• Credit and Savings Account

• Current Account Savings Account

• Capital Allocation System for Assets

• Cash Asset Structure Allocation

Funding liquidity risk arises when:

• The bank is unable to raise funds to meet its obligations

• The bank cannot lend money effectively

• The bank cannot convert foreign currencies

• The bank has excessive capital

Which ratio assesses the risk of maturity mismatch in banks

• Short-term funding to long-term lending ratio

• Capital adequacy ratio

• Foreign exchange exposure ratio

• Non-performing loan ratio

What is the main role of the ALCO in liquidity management?

• Selling foreign currencies

• Managing credit approval

• Handling ATM transactions

• Monitoring and adjusting liquidity strategy

Vietcombank maintains a conservative LDR to:

• Maximize ROE

• Avoid credit expansion

• Ensure liquidity safety

• Increase operational costs

The ratio of liquid assets to total assets helps measure:

• Bank profitability

• Ability to meet short-term obligations

• Long-term capital growth

• Loan diversification