An individual bank can safely lend only an amount equal to its excess reserves, but a commercial banking system can lend _____.

Answers

Answer 1

An individual bank can safely lend only an amount equal to its excess reserves, but a commercial banking system can lend an amount greater than the sum of its individual banks' excess reserves.

Commercial bank refers to a financial institution that can accept deposits, offer checking account services, make various loans, and offer basic financial products like certificates of deposit (CDs) and savings accounts to individuals and small businesses. These banks make money by providing and earning interest from loans that include mortgages, auto loans, business loans, and personal loans. Customer deposits provide banks with the capital to make these loans.

A commercial banking system can lend an amount greater than the sum of its individual banks' excess reserves. This is due to the process of deposit expansion and the money multiplier effect, which allows banks within the system to create new loans and deposits based on a fraction of their reserves.

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Related Questions

Discuss the impact of tactical planning on successful logistics functions

Answers

Tactical planning is a critical component of logistics operations as it allows organizations to develop and implement strategies to efficiently manage the flow of goods and services. It involves developing short-term plans that align with the overall strategic objectives of the organization.

The impact of tactical planning on successful logistics functions cannot be overstated. Firstly, tactical planning helps logistics managers to allocate resources and prioritize activities to ensure efficient and effective execution of logistics operations. It enables them to forecast demand, manage inventory levels, optimize transportation routes, and coordinate with suppliers and customers. These activities help to reduce operational costs, improve delivery times, and enhance customer satisfaction.
Secondly, tactical planning facilitates the identification and resolution of potential bottlenecks and supply chain disruptions. By proactively identifying risks and developing contingency plans, logistics managers can mitigate the impact of disruptions on logistics operations. This ensures continuity of operations and minimizes the risk of financial losses due to delays or product shortages.
Thirdly, tactical planning enables logistics managers to stay agile and responsive to changing market conditions. By constantly reviewing and refining their plans, logistics managers can quickly adapt to changes in customer demand, supply chain disruptions, or regulatory requirements. This flexibility enables organizations to remain competitive and maintain market share.
In conclusion, tactical planning is essential for the success of logistics functions. It enables logistics managers to allocate resources efficiently, mitigate supply chain disruptions, and remain agile in response to changing market conditions. Organizations that invest in effective tactical planning are better positioned to achieve their logistics objectives and improve overall business performance.

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which component of effective high-performance teams is represented by the use of real-time feedback devices acls

Answers

Answer: Quality

Explanation:

High-performance teams refers to the teams, or organizations which focuses on their goals and therefore achieve superior results and outperform other similar teams.

The component of effective high-performance teams that is represented by the use of real-time feedback devices is quality.

A high-performance team is described as a combination of people with particular responsibilities and supplementary abilities and skills aligned with and dedicated to a shared goal, who constantly exemplifies cooperation and mutual and innovative thinking, start producing excellent performance, and suppress revolutionary or drastic views that may be harmful.  

The component of effective high-performance teams is represented by the use of real-time feedback is  Quality.

The high-performance team is known for being the similar, main objective, and sound better system that helps any group member to overcome any obstacles in attaining the team's objectives.

In psychology, quality is a property or feature of an element. The concept of qualities, and notably how to identify different kinds of characteristics from one another, is still debated in contemporary philosophy.

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at the beginning of december, abc company had 1200 in supplies on hand during the month supplies purchased amounted to 2700 but by the end of the month the supplies balance was only 2900 what is the appropriate month-end adjusting entry

Answers

Answer:

( 1200 + 2700) - 2900

= 1000

( opening stock + purchases ) - closing stock

suppose disposable income increases by $2,000 . as a result, consumption increases by $1,500 . answer the questions based on this information. where appropriate, enter your answer as a decimal rather than as a percentage. the increase in savings resulting directly from this change in income is:________

Answers

This change in income has a direct $500 impact on savings. The MPS is 0.25 while the MPC is 0.75.

What occurs when disposable income rises?

Together, rising disposable income gives households more money to either save or spend, which inevitably fuels rising consumption. One of the key factors affecting demand is consumer spending; it generates the demand that enables businesses to remain successful and add new employees.

What happens when disposable income increases?

When disposable income rises, consumption increases and saving rates decline. The marginal propensity to consume is calculated by dividing the change in consumption by the change in income.

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Who would be eligible for student loan forgiveness.

Answers

Answer:

broke people

Explanation:

if you broke then maybe they help

describe the color white to a blind person

Answers

The color white it’s a color that starts every other color that you know

The stock of Big Joe's has a beta of 1.30 and an expected return of 11.60 percent. The risk-free rate of return is 4.1 percent. What is the expected return on the market? О 8.57% О 12.83% o 750% О 6.27%9.87%

Answers

The 12.83%, To find the expected return on the market, we can use the capital asset pricing model (CAPM) which is: Expected Return on Stock = Risk-Free Rate + Beta*(Expected Return on Market - Risk-Free Rate)

Plugging in the given values, we get:

11.60% = 4.1% + 1.30*(Expected Return on Market - 4.1%)

When we solve for Expected Return on Market, we get at:

Expected Return on Market = (11.60% - 4.1%)/1.30 + 4.1% = 12.83%

To find the expected return on the market, we can use the Capital Asset Pricing Model (CAPM) formula:

Expected Return is calculated as follows: (Market Return - Risk-Free Rate) * Beta

To calculate the market return, we can rearrange the formula as follows:

Market Return = ((Expected Return - Risk-Free Rate) / Beta) + Risk-Free Rate

Plugging in the given values:

Market Return = ((11.60% - 4.1%) / 1.30) + 4.1%

Market Return = (7.5% / 1.30) + 4.1%

Market Return = 5.77% + 4.1%

Market Return = 9.87%

Thus, the expected return on the market is 9.87%.

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T/F most corporate enterprises in the u.s. fall into the category of close corporation.

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False. Most corporate enterprises in the U.S. actually fall into the category of open corporation, also known as a public corporation, which is a type of corporation that is owned by shareholders and whose shares are publicly traded on a stock exchange.

This allows for a large number of investors to buy and sell shares of the company and participate in its ownership and profits.

Close corporations, on the other hand, are privately held corporations that are owned by a small number of individuals, such as family members, and are not publicly traded on a stock exchange.

While close corporations do exist in the U.S., they are less common than open corporations.

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Materials derived from natural resources clearly defines which of the following?
A.Processed goods

B.Raw goods

C.Finished goods

D.Intangible goods

Answers

Answer:

B.Raw goods

Explanation:

Natural resources are useful materials extracted from the earth for use in the production of other goods. The extracted materials are refined into final products or used as raw materials to make other goods.  For example, gold and oil are extracted and refined into marketable products.  Water and wood are raw materials used in producing paper.

Natural resources come from nature. They are extracted raw and processed into other products or used as raw materials to produce other goods.

Tim borrowed $23,500 at a rate of 6.78% compounded semi-annually (1₂). Calculate his monthly payments if he amortizes his payments over 5 years.

Answers

The monthly payments for Tim, who borrowed $23,500 at a rate of 6.78% compounded semi-annually over a 5-year period, amount to $460.39. This calculation takes into account the loan amount, interest rate, compounding period, and the duration of the loan.

To calculate the monthly payments, we first determine the number of compounding periods in a year by dividing the annual interest rate by the number of compounding periods per year. In this case, the interest is compounded semi-annually, so we have 2 compounding periods per year.

Next, we calculate the total number of compounding periods over the loan term by multiplying the number of years by the number of compounding periods per year. In this case, we have 5 years * 2 compounding periods per year = 10 compounding periods.

Using the loan amount, interest rate, and the total number of compounding periods, we can calculate the monthly payment using the formula for amortized payments:

P = A / ((1 - (1 + r)^(-n)) / r),

where P is the monthly payment, A is the loan amount, r is the interest rate per compounding period, and n is the total number of compounding periods.

Plugging in the values: P = 23,500 / ((1 - (1 + 0.0678/2)^(-10)) / (0.0678/2)) = $460.39.

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Which is the most important decision factor in transportation?
A.capacity
B. Cost
C.capability
D.reliability

Answers

I'd say D just because if you can't rely on someone and I doesn't get there it's going to be really bad

I need help I don’t get this

I need help I dont get this

Answers

The friest answer bc she said budget

Answer:

it's C, because when you budget you are trying to save money.

Explanation:

What is it called when businesses are doing poorly and stock prices drop?

Answers

Answer:

When a stock price falls, that means the company must sell additional shares of stock to raise the same amount of proceeds

Explanation:

the rate of change is how fast the data is changing.


True

False

Answers

Answer:

true

Explanation:

i got it right edg 2020

zust preferred stock is selling for 42.16$ per share and pays 1.95$ in dividends. what is your expected rate of return if you purchase the security at the market price?
Your expected rate of returns is __%

Answers

The rd is 48 because th is

As a business owner, Marlon analyzed the economy to determine if it is a good time to open a new shop. What facts probably helped him realize that it is a good time do it?

Low unemployment rate and prices are rising slowly

High unemployment rate and prices are rising quickly

Few homes are being sold and restuarants are closing

Prices aren't changing and factories are shrinking

Answers

As a business owner, Marlon's decision to open a new shop would have been influenced by several economic factors. The two factors that probably helped him realize that it is a good time to do so are the low unemployment rate and slowly rising prices. These indicators suggest a stable economy with a healthy labor market and a controlled inflation rate. The correct option is a.

A low unemployment rate implies that there is a high demand for labor, which means that consumers have purchasing power to support businesses. In addition, low unemployment rates tend to increase consumer confidence, which can translate into higher spending and revenue for businesses. The slowly rising prices also suggest that inflation is under control, which means that consumers are not feeling the pinch of increasing costs of goods and services. This can lead to increased spending and growth in the economy.

On the other hand, the other options presented in the question, such as high unemployment rates and quickly rising prices, few homes being sold, and restaurants closing, indicate a weak or declining economy. High unemployment rates and quickly rising prices can result in decreased consumer confidence and lower spending, which can be detrimental to businesses. Few homes being sold and restaurants closing are also signs of a weak economy with decreased demand.  The correct option is a.
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Duke signs a note "payable to the order of Equity Bank." Unless Duke has a valid defense against payment, his liability on this note isa. impaired.b. primary.c. secondary.d. qualified.

Answers

The answer to your question is "b. primary." When Duke signs a note "payable to the order of Equity Bank," he becomes the primary obligor or debtor on the note.

This means that unless Duke has a valid defense against payment, he is legally obligated to pay the amount specified on the note to Equity Bank. The other options, such as "impaired," "secondary," or "qualified," do not accurately describe Duke's liability on the note.

It is important to note that individuals may have self-serving biases when it comes to assessing their own liability in legal matters. This may result in them overestimating the validity of their defense against payment, which could lead to negative consequences.

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Which examples best demonstrate likely tasks for Manufacturing Production Process Development workers? Check all that apply.

Edward identifies the problem with an engine and repairs it.
Harvey inspects a manufacturing plant for safety hazards.
Charlotte loads materials into a machine for processing.
Wayne gathers customer feedback to incorporate it into a product’s design.
Domenica writes instructions for how to build a product.
Erin uses CAD software to make a model of a product she is designing.

Answers

Answer:

4,5,6

Explanation:

Answer: The person above me is correct :)

Explanation: edge

Which of these best describes an opportunity cost?a. a win-winb. a lossc. a chanced. a trade-off

Answers

The option that best describes an opportunity cost is option (d) a trade off

Opportunity cost refers to the cost of the next best alternative forgone when making a choice.

Opportunity cost is often expressed in terms of a trade-off. When we make a choice, we are essentially choosing one option over another, and that choice involves giving up the benefits of the alternative option. This trade-off is the opportunity cost of our decision.

Mathematically, we can express opportunity cost as:

Opportunity cost = Benefit of the next best alternative forgone / Cost of the chosen option

So, the right option is (d)

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All of the following questions should be asked when performing a VRIO analysis except
Multiple Choice
is the resource or capability currently controlled by only a few firms or no other firms?
is the firm organized to exploit the resource or capability?
is the resource or capability valuable?
is the resource or capability popular?
is the resource or capability costly for other firms to imitate?

Answers

The VRIO framework was constructed using the values of rarity, organisation, imitability, and value. Durability is not a concern with the VRIO framework.

What is VRIO framework?

Value, rarity, imitability, and organisation are the four characteristics that make up the acronym VRIO framework, and they are used to assess a company's resources and skills. Jay Barney created the VRIO framework for business analysis in 1991. It is a component of a company's bigger strategic plan. The fundamental strategy process followed by each company starts with a vision statement and includes objectives, internal and external analysis, strategic decisions, and strategic implementation. Organizations classify their resources according to whether they possess certain characteristics listed in the framework using the internal analysis tool known as VRIO Analysis. Organizations can then identify the corporate assets that give them a competitive edge thanks to this categorisation.

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Write the function of commercial bank in points.(don't copy)​

Answers

Explanation:

Functions of Commercial Bank:

1=Acceptance of deposits from public.

*Demand deposits.

*Fixed deposits.

*Saving deposits.

2=Advancing of loans.

*Direct loans.

*Money at call.

*Overdraft.

*Discounting bills of exchange.

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Identify the stage of the new product development based on the given scenario

Identify the stage of the new product development based on the given scenario

Answers

Answer:

Product Development Stage

Explanation:

Killian's board game is in the Product Development Stage.

This stage is the first part of the Product Life Cycle. In this stage, research on the target market and product positioning are carried out. It is at this stage that market research, distribution channels and competitor analysis are carried out and thoroughly outlined. Also, product validation is carried out. This involves getting feedback from test users concerning the use of the product.

So, this stage is Product Development Stage.

Which type of extractive industry is involved in the resource extraction process of the automobile

Answers

The extractive industry involved in the resource extraction process of the automobile is primarily the mining industry. The mining industry refers to the sector involved in the extraction and production of valuable minerals, ores, and other geological materials from the Earth's crust.


Mining industry encompasses various types of mining operations, including surface mining, underground mining, and placer mining, depending on the nature and location of the resources being extracted.. The production of automobiles requires various raw materials, including metals such as iron, aluminum, copper, and steel. These metals are extracted from mines through mining operations, which involve processes such as exploration, drilling, blasting, and extraction of the ore. The extracted metals are then processed and transformed into the necessary components for automobile manufacturing. Additionally, other materials like rubber for tires and petroleum for fuel and lubricants are also extracted from natural resources as part of the automobile production process. Therefore, the mining industry plays a crucial role in the extraction of resources used in automobile manufacturing.


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whats the meaning of oligopoly and monopoly market structure​

Answers

Oligopoly is a market structure with a small number of firms, none of which can keep the others from having significant influence. A monopoly is one firm, a duopoly is two firms and an oligopoly is two or more firms.

Answer:

Oligopoly is a market structure with a small number of firms, none of which can keep the others from having significant influence, whereas monopoly is one firm, a duopoly is two firms and an oligopoly is two or more firms.

Explanation:

got it from class with help from investopida

The summary of significant accounting policies does not help explain:Multiple Choicea. the cost flow assumptions for valuing inventory. b. management's assessment of the financial condition of the firm. c. the method used for determining depreciation expense. d, whether certain investments are accounted for using the equity method.

Answers

The correct answer to the question is option B - the summary of significant accounting policies does not help explain management's assessment of the financial condition of the firm.

The summary of significant accounting policies is a disclosure in the financial statements that outlines the accounting principles and methods used by a company in preparing its financial statements. It provides information on topics such as revenue recognition, inventory valuation, depreciation methods, and investments.

However, it does not provide any information about management's assessment of the financial condition of the firm. This type of information is typically found in the management discussion and analysis (MD&A) section of the annual report.

The MD&A provides a narrative explanation of the company's financial performance, financial condition, and future prospects. It is important for investors to review both the summary of significant accounting policies and the MD&A to gain a comprehensive understanding of a company's financial performance and condition.

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On May 1, Doormart received an order from a customer. The goods were shipped FOB shipping point on May 3. The customer received the goods on May 5 and paid for the merchandise on June 1. When should Doormart record the sale

Answers

Based on the information given Doormart should record the sale on May 3.

Free on Board Shipping Point

Doormart should record the sales on the day in which the goods were shipped FOB shipping point.

Based on the information given the day in which the goods were shipped FOB shipping point was May 3.

Reason being that buyers tends to take the delivery of the goods, once  the goods has be shipped by the seller or once the goods has leave the seller shipping point.

Inconclusion  Doormart should record the sale on May 3.

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A swot analysis allows a marketer to evaluate the company's overall strengths, weaknesses, opportunities and threats.

a. true

b. false

Answers

A swot analysis allows a marketer to evaluate the company's overall strengths, weaknesses, opportunities and threats.The statement is a. True.

In various fields, such as business, finance, science, and research, analysis plays a crucial role in decision-making and problem-solving. Here are a few common types of analysis:

Financial Analysis: Involves assessing a company's financial statements, ratios, and performance indicators to evaluate its financial health, profitability, and efficiency.

SWOT Analysis: Examines the strengths, weaknesses, opportunities, and threats of a business or organization to understand its internal capabilities and external market dynamics.

A SWOT analysis is a strategic planning tool used by marketers and other professionals to assess the internal and external factors that can impact a company's performance. It helps identify the company's strengths and weaknesses (internal factors) as well as opportunities and threats (external factors) in its operating environment. By conducting a SWOT analysis, marketers gain insights that can be used to develop effective marketing strategies and make informed business decisions.

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It is important to balance your check book every month Bc

Answers

Answer:

This is one of the reasons it’s a good idea to balance your checkbook more often than once a month, especially if you are newly adopting this financial task. You will have fewer transactions to comb through if you balance once a week or once every two weeks.

Explanation:

Which of the following decisions is most likely to create a temporary diseconomy of
scale? (Select the best answer.)
A)Buying supplies in bulk
B)Buying an expensive piece of machinery
C)Hiring employees who specialize
D)Using division of labor

Answers

Answer:

Buying an expensive piece of machinery

Explanation:

what are the two general areas of specialization in accounting?

Answers

Answer:

Financial Accounting. Financial accounting is an area of accounting that deals with the recording, classifying, reporting and interpreting of a business financial performance and economic conditions to interested users ...

Managerial Accounting. Managerial Accounting is an area of accounting that deals with accumulation of financial information and preparation of reports for internal users only, like the company’s management or ...

Cost Accounting. Cost Accounting is an area of accounting that captures and accumulates manufacturing or production costs for internal use of an entity’s management, used in decision making purpose.

Explanation:

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how did the officer feel about himself A radioactive isotope has a half-life of 20 years. You start with 80 grams of the isotope. How long does it take until it decays to 2.5 grams Problem 3Mr Tcha's recipe for fruit protein shake states that 2/3 of the total amount of ingredients should be fruit. The amount of yogurt in the recipe should be 1/4 of the amount of the fruit. If Mr. Tcha has 24 grams of fruits left over, how many grams of fruits and grams of yogurt did he use? What fraction of the total amount of ingredients is neither fruit nor yogurt?Show your work. What was the progression of the Land Ordinance of 1785 that provided more structure to the development of the new territories? Allied Biscuit Co. is expected to generate a free cash flow (FCF) of $330.00 million this year (FCF = $330.00 million), and the FCF is expected to grow at a rate of 21.40% over the following two years (FCF and FCF). After the third year, however, the FCF is expected to grow at a constant rate of 2.82% per year, which will last forever (FCF). Assume the firm has no nonoperating assets. If Allied Biscuit Co.s weighted average cost of capital (WACC) is 8.46%, what is the current total firm value of Allied Biscuit Co.? (Note: Round all intermediate calculations to two decimal places.) $1,026.01 million $9,892.50 million $7,975.34 million $9,570.41 million Allied Biscuit Co.s debt has a market value of $5,982 million, and Allied Biscuit Co. has no preferred stock. If Allied Biscuit Co. has 150 million shares of common stock outstanding, what is Allied Biscuit Co.s estimated intrinsic value per share of common stock? (Note: Round all intermediate calculations to two decimal places.) $14.62 $13.29 $39.88 $12.29 Question 3(Multiple Choice Worth 5 points)(05.03 LC)How many parts does the scientific name of an organism have?01O20304hos what do you think the word ventures mean how did western bank or second ventures for profit have an affect on imperialism draw a smiling face if you consider it as aeustress and sad face if it cause distress1. choosing a gift for a friend PLEASE HELP ILL GIVE BRAINLIEST AND EXTRA POINTS A standard method for labeling digital files is called a file-labeling what?protocoltoolsettingconfiguration at an irs printing facility, two processes may be used to print forms. process a involves a software setup time of 10 minutes and a run time of 2 seconds. process b involves a software setup time of 20 minutes and a run time of 1 second. what is the smallest batch size for which process b will result in a smaller total processing time than process a? What are steps in the problem-solution organizational method of organizing persuasive speeches on questions of policy What can you do to maintain a healthy body composition. What volume in ml of 0. 220 m hbr solution is required to produce 0. 0150 moles of hbr?. What is the free addition that some market vendors give to customers You measure the mass of a 0.500 kg (500 g) standard on your balance four times. The following measurements result: 492 g, 507 g,505 g, 496 g.Which choice best describes your balance?not precise and not accuratenot precise but accurateprecise but not accurateprecise and accurate imagineaz-i ca eti un reporter la revista colii. Pe baza modelului oferit de text, creeaz o lista de 6 8 ntrebri pe care le-ai adresa unui scriitor preferat, care ar accepta s-i ofere un interviu. 1) Who is the spiritual leader of Tibetan Buddhists?2) Who established the central tenets of modern Jainism?3) What do Hindus believe about life after death?4) What is the major religion practiced I will give brainliest answer In this post pick 2 countries, find the price of a Big Mac in each country (if you want to pick another good/service, go ahead), express the price in the local currency, then with the help of exchange rate, determine if the price in that country is close to the exchange rate or not - is it overvalued or undervalued based on the value of the asset...if there is a discrepancy, why do you think there is oneFor example: $1 = 6 Croatian Kunas and if Big Mac in US is $1, then it should cost 6 Kunas (more/less) in Croatia. if it is 12 Kunas, then it is twice as expensive in Croatia than in the US. This is just an example. where labor costs are a greater share of product costs than other factors, the products are considered to be relatively multiple choice labor-abundant. labor-intensive. labor-disadvantaged. labor-efficient.