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Burka [1]
3 years ago
10

When Ronald complained to his bank about the unprofessional behavior of one teller, the branch manager added a code into his acc

ounts alerting all tellers that Ronald was a valued customer and to provide whatever service he requests. The branch management included Ronald in its __________ segmentation.
a. geodemographic
b. geographic
c. loyalty
d. psychographic
e. benefit.
Business
1 answer:
OLEGan [10]3 years ago
8 0

Answer:

The correct answer is C. loyalty.

Explanation:

The segmentation on basis of customer loyalty is done on following grounds

•     The most valuable market, channel, product and customer segments

•     Key decision makers and influencers

•     Critical needs and wants for each segment

•     Future needs

•     Measures of customer satisfaction and loyalty

•     Brand and competitive equity benchmarking

•     Value proposition alternatives for each segment

•     A trade-off analysis for features vs. price

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Calculate the risk-adjusted asset base for a bank with: a. Cash of $20 million, 0% b. Gen. Obligation municipal security of $100
Ulleksa [173]
This is what i found  Answer 1
Risk-Adjusted Asset Base
The calculation of the risk-adjusted asset base for a bank is as below-
Risk-adjusted asset = (Cash × 0%) + (municipal security × 20%) + (home mortgages × 50%) + (Commercial loans × 100%)
= (20 × 0%) + (100 × 20%) + (500 × 50%) + (300$ × 100%)
= 0 + 20 + 250 + 300
= $570 million
The outcome shows that the risk-adjusted or weighted asset based for the bank will be $570 million.
Tier1 and Tier 2 Capital:
If the bank has no off-balance sheet activity then minimum required level of Tier 1 and Tier 2 capital will be-
Tier 1 capital = Risk-weighted asset × 4%
= $570 × 4%
= $22.8 million
Tier 2 capital = Maximum of 1.25% of risk-weighted asset
= $570 × 1.25%
= $7.125 million
Total capital = $22.8 + $7.125 => $29.925 million
The outcomes indicate that the minimum required level of Tier1 and Tier 2 capital is $22.8 million and $7.125 million for the bank.
Bank Comply with Capital Requirements:
If the bank has Tier 1 capital of $25 million and Tier 2 capital of $15 million then it will comply with its capital requirements of $29.925 million. It is because in this situation, total capital of bank is $37 million that is higher than the above calculated capital of $29.925 million.
Impact of off-Balance Sheet Activities on Capital Requirements
The addition of off-balance sheet activities might increase the capital requirement of the bank. It is because an off-balance sheet items is a financial contract that can create credit loss for the company due to credit risk. So, in case of adding off-balance sheet activities, a bank will require more capital to cover credit loss. Along with this, it can also increase the minimum ratio of capital to risk-weighted assets from 8% and in that situation; the bank will need more capital (Carmichael & Graham, 2012).
Answer 2
Probability of Repayment and Risk Premium
A).
If the rate on a one-year treasury bill is 6% and in case of loan default, no payments are expected on financial securities then the probability of repayment and the risk premium on 1 year AA-rated loan yielding 9 percent will be-
Probability of Repayment:
The following formula can be useful to determine probability of repayment.
P = (1 + I) / (1 + k)
Where,
I = 6%
k = 9%
Then, ...you have $2.19 left :D
 
4 0
3 years ago
What is a trust established while the owner of the trust is still alive
Yuri [45]

Answer:

A trust created while a person is still alive is called a Living Trust. The Living Trust is created when one person, a Grantor, places property into the trust.

Explanation:

5 0
2 years ago
United Contractors Inc. holds a lien on Vista Estates real property. This property can be sold to satisfy the debt if, before th
oee [108]

Answer:

The answer is Vista Estates

Explanation:

Before any sale can done done, notice must be given to Vista Estates. The property can now be sold after been giving proper notice.

Vista Estates still has the legal right of original ownership even though a lien has been placed on his property. A lien is a legal claim against a property.

7 0
3 years ago
A popular clothing brand has released a new range of pants. The brand manager wants to target several sections of youth with thi
Andrej [43]

.Answer:

A.  customer classification

Explanation:

Classification of consumers is the process of grouping customers according to shared traits. Customers in the same group will share some common characteristics that a business can use to serve them better. In customer classification, the firm seeks to identify the common traits that make customers have similar buying patterns.

The manager in the clothing brand has identified traits he can use to classify the target customers into four groups. He has applied customer classification. If he subdivides each group by specific attributes such as age, gender, or other similarities, he would be doing customer segmentation

7 0
3 years ago
Luca's parents set firm rules but are responsive to his needs. They give him a chance to explain himself and also explain their
Zina [86]

Answer:

This is a typical super-protective parenting style. In my opinion this parent´s behavior is not positive and is out  of use. Nowadays parents try to talk more, explain dangerous to teens and give them some freedom to have a good time with friends.

Explanation:

6 0
3 years ago
Read 2 more answers
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