4- Interest rate risk- Gap analysis vs duration analysis Which of the.docx

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4. Interest rate risk: Gap analysis vs duration analysis Which of the following accurately defines duration analysis? The difference between the amount of Mabilities and the amount of assets an which interest rates are due to reset during a specific timeperiod The weighted average of time until repayment of the price of a bond for a bond with a fixed cash flow What information do bank managers need to perform duration analysis? check ail that apply. The capacity of their depositors Market values of assets and liabilities Comprehensive credit reports on their long-term borrowers The weighted average of times until payment as a function of the present value of the payment Which of the following best describes the difference between duration analysis and interest rate gap analysis? Duration analysis overlooks the fact that sometimes the amount of income rate-sensitive assets can excess the amount of income ratesensitive liabilities. Unlike interest rate gap analysis, duration analysis does not take into account thit some assets or liabilities are mace sensitive to interest rate changes. Duration analysis ignores the fact that the weighted average of times untll payment can be zero. Unlike interest rate gap analysis, duration analysis takes into account that some assets or liabilities are more sensitive to interent rate changes. .

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3 Structure of Interest Rates CHAPTER OBJECTIVES The specific objectives of this chapter are to: · ▪ describe how characteristics of debt securities cause their yields to vary, · ▪ demonstrate how to estimate the appropriate yield for any particular debt security, and · ▪ explain the theories behind the term structure of interest rates (relationship between the term to maturity and the yield of securities). The annual interest rate offered by debt securities at any given time varies among debt securities. Individual and institutional investors must understand why quoted yields vary so that they can determine whether the extra yield on a given security outweighs any unfavorable characteristics. Financial managers of corporations or government agencies in need of funds must understand why quoted yields of debt securities vary so that they can estimate the yield they would have to offer in order to sell new debt securities. 3-1 WHY DEBT SECURITY YIELDS VARY Debt securities offer different yields because they exhibit different characteristics that influence the yield to be offered. In general, securities with unfavorable characteristics will offer higher yields to entice investors. Some debt securities have favorable features; therefore, they can offer relatively low yields and still attract investors. The yields on debt securities are affected by the following characteristics: · ▪ Credit (default) risk · ▪ Liquidity · ▪ Tax status · ▪ Term to maturity The yields on bonds may also be affected by special provisions, as described in Chapter 7. 3-1a Credit (Default) Risk Because most securities are subject to the risk of default, investors must consider the creditworthiness of the security issuer. Although investors always have the option of purchasing risk-free Treasury securities, they may prefer other securities if the yield compensates them for the risk. Thus, if all other characteristics besides credit (default) risk are equal, securities with a higher degree of default risk must offer higher yields before investors will purchase them. EXAMPLE Investors can purchase a Treasury bond with a 10-year maturity that presently offers an annualized yield of 7 percent if they hold the bond until maturity. Alternatively, investors can purchase bonds that are being issued by Zanstell Co. Although Zanstell is in good financial condition, there is a small possibility that it could file for bankruptcy during the next 10 years, in which case it would discontinue making payments to investors who purchased the bonds. Thus there is a small possibility that investors could lose most of their investment in these bonds. The only way in which investors would even consider purchasing bonds issued by Zanstell Co. is if the annualized yield offered on these bonds is higher than the Treasury bond yield. Zanstell's bonds presently offer a yield of 8 percent, which is 1 percent higher than the yield offered on Treasury bonds. At this yield, some investors are willing to p ...

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