Question

Question 11 (3.3 points)

The following are key recent trends in the operation and structure of Commercial Banks in USA, EXCEPT:

Question 11 options:

	Increase in the role of US Commercial Banks in the total operations of global financial markets.
	Increase in bank consolidations
	Increase in the accumulation of excess reserves by commercial banks
	Decline in traditional banking operation and increase in "shadow banking system"

Question 12 (3.3 points)

The following are some of the reasons for why commercial banking has been negatively affected in their profitability in recent decades, EXCEPT:

Question 12 options:

	Due to strict regulations on commercial bank operations.
	Emergence of alternative investment instruments like money market accounts.
	Increasing competition for funds between commercial banks and the rest of the financial market.
	Innovations like securitization of mortgages.

Answer 1

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