Matrix Bank Has Compiled the Following Migration Matrix on Consumer

question 18

Multiple Choice

Matrix Bank has compiled the following migration matrix on consumer loans.Which of the following statements accurately summarizes this data? $\begin{array}{lllll}&\text { Risk Grade at }\\&\text { End of year }\\&&1 & 2 & 3 & 4 \\\text { Risk grade at }&1&.88 & .08 & 02 & .02\\\text { beginning of }\\\text { year }\\2 & 10 & 84 & .03 & .02 \\3 & .02 & .09 & .78 & .11\end{array}$

• A)Ten percent of grade two loans were upgraded during the year.
• B)Grade one loans have a higher probability of downgrade than grades two or three.
• C)Grade three loans have a higher probability of upgrade than grade two loans.
• D)Grade three loans have a higher probability of downgrade than grade two loans.
• E)All of the options.

Recognize the significance of job design, including job enrichment, job enlargement, and job rotation, in enhancing employee satisfaction and performance.

Explain the concept of alternative work arrangements, such as part-time work, job sharing, and telecommuting, and their benefits to both individuals and organizations.

Identify the components of the Job Characteristics Model and its relevance to job design and employee motivation.

Distinguish between intrinsic and extrinsic rewards and their impact on employee motivation and performance.

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Definitions:

Income Statement

A financial report summarizing the revenues, expenses, and profits over a specified period, usually a fiscal quarter or year.

Disposal of a Segment

The process of eliminating a division, department, or segment of a business through sale, closure, or bankruptcy, impacting financial statements.

Accounting Principle

Guidelines and rules that govern the accounting process, ensuring accuracy and consistency in financial reporting.

Continuing Operations

The segments of a business that are expected to continue to operate into the foreseeable future, distinguishing from any discontinued operations.