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410140980 · 2022年11月04日

specific provisions

  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.

老师specific provisions是指什么资本？专门吸收特别损失的准备金？

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2 个答案

品职答疑小助手雍 · 2022年11月08日

它不属于capital，那就没有tier了，就是企业自己提的一笔准备金来防范风险的。

品职答疑小助手雍 · 2022年11月04日

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。

早睡早起快乐学习 · 2022年11月08日

所以specific provisions是哪个tier啊老师

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NO.PZ2016072602000046问题如下 Consir the following financita for a bank, in millions of llars: shareholrs5 fun: 627.4; retaineearnings: 65.6; unsclosereserves: 33.5; gooill: 21.3; subornatebt: 180.0; specific provisions: 11.7. The ratio of tier 2 to tier 1 capitis: 30.81% 31.78% 33.53% 34.03% B is correct. Tier 1 capitconsists of shareholrs5 fun plus retaineearnings, minus goowill, whiis 671.7. Tier 2 capitconsists of subornatebt plus unsclosereserves, or 213.5. The ratio is 31.78%. Specific provisions cannot incluin risk capital, because they are likely to absorbeby specific bloans. ​subornateto positors with originmaturity of 10 years, cumulative preferrestoanloloss provision.

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