The Use of a Bank Manager's Discretion in the Timing

question 37

Multiple Choice

The use of a bank manager's discretion in the timing and amount of loan loss provisions and loan charge-offs can falsely understate the losses and

• A)decrease net income.
• B)decrease bank obligations.
• C)improve the bank's debt adequacy ratio.
• D)improve the bank's capital adequacy ratio.

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Definitions:

Positive Psychology

A branch of psychology focusing on the study of positive human functioning and flourishing on multiple levels, including the biological, personal, relational, institutional, cultural, and global dimensions of life.

Humanistic Psychology

A psychological perspective that emphasizes individual potential for growth and the importance of human values, creativity, and self-fulfillment.

Trait Theorists

Psychologists who study personality characteristics that are stable over time and differ among individuals, with a focus on identifying and measuring these traits.

Behaviorism

A theory in psychology that emphasizes the importance of observable behaviors over internal phenomena like emotions and thoughts.