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Passage Three
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Passage Two A banking organization’s management should ensure that documents governing securitizations it sponsors do not include any covenants related to supervisory actions or thresholds. Effective immediately, the use of covenants that provide for the early amortization of a securitization or compel the transfer of servicing as a result, directly or indirectly, of the occurrence of a supervisory action or event will, under appropriate circumstances, be criticized as an unsafe and unsound banking practice. Moreover, banking organization management is encouraged to amend, modify, or remove these covenants from existing transactions. Any impediments a banking organization may have to taking such actions should be documented and discussed immediately with its Reserve Bank. The banks will be punished by the Reserve Bank if they refuse to cooperate.
Section One Directions: In this section, you will hear ten short statements. Each statement will be spoken only once. After each statement, there will be a pause. During the pause, you must read the four suggested answers marked A, B, C and D, and decide which is the best answer.
Passage Two
Section One Directions: There are three passages in this section. Each passage is followed by some questions or unfinished statements. For each of them, there are four choices marked A, B, C and D. Passage 1 Larger banks in large cities often specialize in particular ancillary services in addition to the bank deposit services they supply. They may have foreign branches in order to provide banking services in particular foreign countries. Large banks may sell consumer credit card services; that is, they allow individual banks to join their credit card network. They may be brokers in the federal funds markets, a market for short-term loans in which commercial banks participate. Banks may specialize in handling trust agreements. Large banks often provide many of these services for their depositors as well as selling these ancillary services to other banks. This provision of services to other banks is called correspondent banking. The degree of competition in the market for banking services may be related to the number of depository intermediaries in a particular locality. If there is one commercial bank and no thrifts in a small town in a remote area, most of the residents may deposit their funds in the local bank. If there are no financial intermediaries offering similar services, such as business loans, the local bank supplies most of these loans. In most areas, other financial intermediaries and nearby banks compete for loan business. Larger loans made to larger local businesses may not be supplied solely by banks in the local area. Unlike the cost of transporting physical property, the cost of transporting money by check is negligible. The capital market, the market for borrowing funds, cannot easily be subdivided by geographical areas. This consideration makes the measurement of competition for large-loan business in a given geographical area a difficult problem. However, in some states one or several bank holding companies own a significant number of banks in the state. This subject is discussed subsequently. What are large banks in large cities engaged in besides supplying bank deposit services
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