TEST 1

Q1: When banks refuse to provide a loan, or when they lend less than the customer requested, they are
engaging in …
A. Credit rationing
B. Captive borrower
C. Moral Hazard
D. Securitization

Q2: HANA Bank’s loan portfolio includes 30% short-tẻm loan, 20% medium-tẻm loan and 50% long
term loan. It is the loan classification by:
A. Loan purpose
B. Economic entity
C. Maturity dates
D. Quality of loan

Q3: Which of the following transactions do not affect interest income of a commercial bank?
A. The bank collected 100 million VND in interest payment from loans of TOAN THANG
GROUP
B. The bank received 50 million VND as coupon payment of government bonds
C. The bank recorded 15 million VND as the amount of overdraft interest on the deposit account of
its customers.
D. Viet’s checking account is charged 22.000 VND monthly for Internet Banking service

Q4: An agreement where one party agrees to sell T-bills to another party and at the same time agrees to
buy them back at a set price is known as:
A. Banker’s acceptance
B. Repurchase agreement
C. Commercial paper
D. Corporate bond

Q5: Hai An opened a saving account with 10 million VND at JSK bank within 6 months for an APR 6.7
%/year. At the maturity, he received 10.3378 million VND totally. Which payment method does the
bank apply in this case?
A. Pay once at maturity
B. Pay once at the beginning of the period
C. Periodically pay with monthly compounding interest
D. Periodically pay with quarterly compounding interest

Q6: Which of the following statements is not true about banking operations?
A. Bank’s assets include cash, loan, fixed assets and deposit from customer
B. Bank that sell deposits and make loans to individuals, households and small businesses are
known as retail bank
C. The role performed by banks in the economy in which they transform savings into credit is
known as the intermediation role.
D. Core operations of commercial bank are receiving deposits, credit extension and providing
payment services via accounts

Q7: Michael, a loan officer at First Bank, has been busy visiting local businesses to see if any of them
needs credit. Which step in the lending process is Michael performing ?
A. Finding prospective customers
B. Making a site visit and evaluating a customer’s credit history
 C. Evaluating a prospective customer’s financial condition
D. Assessing possible collateral and signing the loan agreement

Q8: Which are principal roles of bank’s investment portfolio played in banking operation?
A. Income stability
B. Backup liquidity
C. Offset credit risk
D. All of the above answers are true

Q9: Taylor goes to the commercial bank to ask for help in developing a financial plan and making
investment decisions. Which of the most recent services banks offer is Taylor taking advantage of?
A. Getting service of dealing in securities
B. Getting a consumer loan
C. Getting financial advantage
D. Getting trust services

Q10: Which insurance product protects the owner from the risk of injury to people and damage to
vehicles or other property in the event of an accident?
A. Disability insurance
B. Credit insurance
C. Auto insurance
D. All of above answers are incorrect

Q11: Loan providing credit to finance the purchase of automobile, appliances, retail goods and services
are classified under the category:
A. Commercial and industrial loans
B. Commercial loans to individual
C. Both of above answers are correct
D. Both of above answers are incorrect

Q12: Anthony opens a saving account of $1000 for 1 year and receives upfront interest of $100. Which
two accounts on the bank’s financial statement are going to be affected?
A. Deposit and non-interest income
B. Deposit and non-interest expense
C. Deposit and interest income
D. Deposit and interest expense

Q13: The … lists the uses and the sources of funds held by the bank on a given date
A. Report of Condition
B. Report of Cash flow
C. Report of Income
D. Notes to financial statement

Q14: If you borrow $5000 for a year with a loan fee of $10 interest totaling $500, Your total payment
will be:
A. $10
B. $500
C. $5000
D. $5510

Q15: … is an alternative to lending in which the financial institution purchases the equipment and rents
it to its customers.
 A. Consumer loan
B. Trust service
C. Financial leasing service
D. Financial advice

Q16: A commercial bank is a highly financial leveraged business. This means:

A. The value of total assets on the balance sheet of commercial banks is very high
B. Total liability is much higher than the total equity capital of commercial banks
C. The level of legal capital to establish a commercial bank is very high
D. Banks’ profits mainly come from lending activities to many entities in the economy

Q17: Find the compound interest on $1000 at the rate of 10% per year for one year when interest is
compounded half yearly?
A. $110
B. $1110
C. $1102.5
D. $102.5 5

Q18: Which of following statement is not a purpose of bank regulation?

A. Provide monetary stability
B. Protect consumers from abuses by banks
C. Guarantee minimum profitability of the banking system
D. Ensure safety and soundness of banks

Q19: During the loan review process, if the customer is incapable of paying off loan principal and/ or
interest in full within the agreed loan term, and is rated by the credit institution as having capacity for
fully repaying those, credit institution’s agreeing to change the agreed loan term from 2 years to 3 years.
It’s so called:
A. Extension of a loan term
B. Delinquent debt
C. Adjustment to a repayment period
D. Early repayment

Q20: A Fed Funds loan that is an unwritten agreement negotiated via wire or telephone with the
borrowed funds returned the next day is knows as:
A. A term loan
B. A continuing contract
C. An overnight loan
D. All answers are true

Q21: A bank places its $10,000 as the reserve requirement ratio into a demand account at State Bank.
Which items of the bank’s balance sheet would be affected ?
A. Loans
B. Equity capital
C. Cash asset
D. Miscellaneous asset

Q22: Which factors affecting choice of investment securities?

A. Tax exposure
B. Inflation risk
C. Call risk
D. a,b and c are true
Q23: Which kind of trusts are established by a will and take effect at the donor’s death?
A. Testamentary trusts
B. Charitable remainder trusts
C. Trustors
D. Living trusts

Q24: Which investment instruments reach maturity within one year and are noted for their low risk and
ready marketability?
A. Capital market investment
B. Money market investment
C. Back-end load maturity policy
D. Front-end load maturity policy

Q25: What is a yield curve?

A. A yield curve is an investment instrument
B. A yield curve contains an implicit forecast of present interest rate changes
C. A yield curve is a picture of how market interest rates differ across loans and securities of
varying term or time to maturity
D. All above statements are correct

TEST 2
Q2: When banks transform deposits into loans, … has occurred
A. Modern portfolio theory
B. Asset transformation
C. Securitization
D. Consumer loan
Q3: …. is the concept that borrowers who are most willing to accept a same borrowers who are most
likely to default on their loans
A. Moral Hazard
B. Commercial loan
C. Adverse selection
D. Asymmetric information

Q4: Finance charges include all interest calculations,... and other costs.
A. Installment loans
B. Consumer loans
C. Principals
D. Fees

Q5. An item that secures a loan is called…

A. Personal loan
B. Lien
C. Ballon payment
D. Collateral

Q6: …. is reviewing a loan for soundness

A. Analyzing
B. Processing
C. Underwriting
D. Assessing
Q7: To ensure credit granting decisions are made in an accurate, efficiency run, banks have written…
A. Loan policy
B. Credit-appoval procedures
C. Loan policy commitee
D. bank policy

Q8: Banks may sometimes grant a loan to an applicant who don’t meet standards, grant a loan with
certain conditions, or offer a loan at…
A. Subprime rates
B. Indexed rates
C. Fixed rates
D. Varied rates

Q9: ….. is a record of how well one applicant has repaid debt in the past
A. Credit history
B. Business performance
C. Criminal record
D. Public record

Q10: Letter of credit is a type of …

A. On-balance sheet activities
B. Off-balance sheet activities
C. Consumer lending
D. Loan portfolio

Q11: An… is a loan for which the amount of the payments, the rate of interest, and the number of
payments are fixed
A. Open-end loan
B. Education loan
C. Installment loan
D. Unsecured loan

Q12: A…. is a loan backed only by the reputation and creditworthiness of the borrower
A. Construction loan
B. Real estate loan
C. Vehicle loan
D. Signature loan

Q13: An… brings the entire loan due if payments are due and what penalties are assessed if payments
are not made on time
A. Legal claim
B. Loan contrast
C. Covenant
D. Acceleration clause

Q14: A…. is an amount of time borrowers have to pay their bills in full and avoid any finance charges
A. Loan term
B. Loan file
C. Grace period
D.
E. Credit report
Q15: For many years, banks have used… to evaluate the potential creditworthiness of loan applicants
A. Modern portfolio theory
B. Credit-scoring systems
C. Predatory lending
D. Bank products

TEST 3 (NÀY CÓ TRONG FILE PDF TAO GỬI

ĐỪNG COI ĐÁP ÁN NÀY)
Q1: In a Loan Agreement, _____________ are those things a borrower must do. They are actions the
borrower must take. Examples include filing periodic financial statements with the bank and purchasing
insurance on any collateral pledged.
A. Affirmative covenants
B. negative covenants
C. Promissory note
D. Borrower Guaranties and Warranties

Q2: A money market security which represents a bank’s commitment to pay a stipulated amount of
money on a specific future date under specific conditions and which is often used in international
trade is known as a(n) _____________.
A. Commercial Paper
B. Certificate of Deposit
C. Bankers’ acceptance
D. Asset backed security

Q3: Which following statements is not correct about bank loans?

A. A written loan policy gives loan officers and the bank’s management specific guidelines in
making individual loan decisions and in forming the bank’s loan portfolio
B. Cash is one of the 6 C's of lending and refers to the fact that the lender wants to make sure the
borrower has the ability to generate enough cash to repay the loan.
C. Loan review is considered to be a luxury, not a necessity for most banks, especially those
with sound lending policies.
D. The principal reason credit institutions are chartered by state bank is to make loans to their
customers.

Q4: Which of the following types of banks would most likely offer the largest types of financial
services?
A. Universal bank
B. Community bank
C. Commercial bank
D. International bank

Q5: By offering_____________, financial institution will buys and sells

securities on behalf of customers and for their own accounts.
a. Brokerage service
c. Trust service
b. Security investment
d. Cash management

Question 6: A bank sells shares of its common stock with a par value of $200 for $300 in the market.
Which two accounts on the bank's balance sheet are g jag to be affected?
a. Retained earnings and capital surplus account:
b. Retained earnings and common stock outstanding accounts
c. Common stock outstanding and capital surplus accounts
d. Subordinated notes and debentures and commons stock outstanding account

Question 7: How much interest will be earned in the third year if $1,000 is deposited that earns 8%
interest compounded annually?
a. $593.31
b. $93.31
c. $105.62
d. $104.00

Question 8: Commercial bank finances the purchase of automobiles, mobile homes, appliances, and
other retail goods to repair and modernize homes. They are all classified under which of following loan
categories?
a. Financial institution loans
b. Commercial industrial
c. Loans to individuals
d. Real estate loans

Question 9: Which are principal roles of financial institution's investment portfolio played in banking
played in a banking operation?
a. Income stability
b. Offset credit risk
c. Backup liquidity
d. All of the above

Question 10: The lists the assets, liabilities and equity capital held by
the bank on a given date.
a. Report of Income
b. Report of Condition
c. Report of Cash flow
d. Notes to financial statement

Question 11: Dan Cross is a junior loan officer with First State Bank of Durant. He has been busy
visiting local businesses to see if any of them needs credit. Which step in the lending process is Dan
performing?
a. Finding prospective customers
b. Making a site visit and evaluating a customer's credit history
c. Evaluating a prospective customer's financial condition
d. Assessing possible collateral and signing the loan agreement

Question 12: As one of the 6 C's of lending, _____________suggests that the lender must look at the
position of the business firm in the industry and the outlook of the industry and the economy to evaluate
a loan.
a. Condition
b. Capicity
c. Character
d. Collateral
Question 13: When a loan is considered uncollectible, the bank's accounting department will write it off
the books by increasing the _____________then reducing the _____________accounts. Which choice
below correctly fills in the blank in the preceding sentence?
a. Allowance for loan losses: Gross Loans
b. Gross Loans; Allowance for loan losses
c. Allowance for loan losses; Net Loans
d. Net Loans : Allowance for loan losses

Question 14: _____________is an alternative to lending in which the financial institution purchases the
equipment and rents it to its customers.
a. Long-term Loan
c. Financial Advice
b. Trust service
d. Leasing service

Question 15: A(n) _____________is where the financial institution agrees to guarantee
repayment of a customer's loan received from a third party
a. Loan and Leasing.
b. Unused loan commitment
c. Standby credit agreement
d. Security investment

Question 16: Which of the following is not one of the capital market instruments in which banks
invest?
a. U.S. Treasury noles
b. Treasury bonds
c. Corporate notes and bonds
d. Commercial paper

Question 17: Bank assets fall into each of the following categories except:
a. Loan
b. Investment securities
c. Time deposit
d. Cash

Question 18: When loan demand is low, commercial bank may invest more on financial securities. But
bank may sell investments when loan demand is high. It is the role of financial investment playing on
which account on the bank's balance sheet?
a. Non-deposit borrowing
c. Loan
b. Deposit
d. Cash

Question 19; Lucky Louie has $10,000 that he wants to invest for 3 years but wants to take lowest risk
on the investment. His best course of action would be to:
a. Put his money in a 3 year saving account
b. Invest in a blue chip stockportfolio
d. Put his money in a checking account

Question 20: Which sentence is wrong about bank?

a. Banks are those financial institutions that today offer the widest range of financial services of
any business firm in the economy
b. Lending institutions act as delegated monitors and can diversify and reduce their risk exposure,
resulting in increased safety for savers" funds.
The role performed by banks in the economy in which they transform savings into credit is
known as the intermediation role.
d. The loosening of government regulation and control of financial institutions is called
reregulation
1. Credit institutions are not allowed to carry out any of the following activities?
a. Leasing part of the business premises
b. Real estate business
c. Trading in valuable papers
d. Purchase of real estate for business headquarters
2. Which of the following statements is incorrect about the operation of commercial
banks
a. Use mobilized capital to contribute capital, buy shares
b. Open an account for payment at another credit institution
c. Issuance of certificates of deposit, promissory notes, bills and bonds to raise capital
d. Providing financial advice
3. Based on the business strategy, can commercial banks be divided into categories?
a. State-owned commercial banks, joint-stock commercial banks, joint venture
commercial banks and branches of foreign commercial banks
b. Central commercial banks, provincial-level commercial banks, district-level
commercial banks and grassroots-level commercial banks
c. Wholesale commercial banks, retail commercial banks and commercial banks
both wholesale and retail banks
d. Private commercial banks and state commercial banks
4. Which of the following statements is true when discussing commercial bank capital?
a. means all monetary sources established by commercial banks for lending,
investment and provision of banking services
b. It is the entire source of money created by commercial banks for lending and business.
c. Means all monetary sources created by commercial banks for investment and trading
in securities.
d. Means all monetary sources created by commercial banks for lending and investment
5. In Vietnam, the operation of any financial institution is similar to that of an investment
bank?
a. Insurance companies
b. Securities companies
c. Financial leasing company
d. Commercial banks
6. The basis used to classify banks into commercial banks, commercial banks and
cooperative banks is:
a. Area of operation
b. Business methods
c. Banking operations
d. Operational objectives
7. Which of the following valuable papers can commercial banks buy and sell?
a. Government bonds
b. Unlisted corporate shares
c. Passbook
d. Gold
8. Which of the following activities falls under the bank's capital mobilization operations
 a. Purchase of securities of listed enterprises
b. Financial leasing
c. Lending capital to individuals and organizations
d. Issuance of valuable papers
9. Credit activities do not include any of the following?
a. Cash reserves
b. Financial leasing
c. Discounting valuable papers
d. Loans
10. According to current regulations, domestic commercial banks shall be established
and organized in the form of:
a. JSC or Limited Liability Company
b. JSC or Private Company
c. 1-member JSC or Limited Liability Company
d. State company or 1-member limited liability company
11. International payment services include:
a. Exchange of Pay Now Documents (Trust)
b. All is true
c. Letter of Credit and Collection of Documents
d. Telegraphic Transfer (T/T)
12. How to distinguish between trading deposits and non-trading deposits?
a. The amount of interest received
b. Only retail clients can use non-trading deposit accounts
c. Purpose of deposit
d. Depositing Customers
13. Which of the following is incorrect when talking about the difference between term
deposits (TGCKH) and demand deposits (TGKKH)?
a. TGCKH is a source of capital of a bank with a lower cost than TGKKH
b. TGKKH: customers are entitled to interest rates but must pay fees to the bank
c. Normal TGCKH interest rate is higher than TGKKH
d. The stability of TGCKH is higher than that of TGKKH
14. Corporate customers may not own any of the following types of deposits
a. Savings deposits
b. Certificate of deposit
c. Payment Deposits
d. Time deposits
15. Which items are not included in the bank's "Liabilities":
a. Bank-issued bonds
b. Redemption Agreement
c. Common Shares
d. Time deposits
16. A Business A in Ho Chi Minh City HCMC wants to pay for goods to suppliers in a
northern province with a value of VND 10 billion. What means should businesses
use?
 a. Collection mandate
b. Expenditure mandate
c. Traveler's Cheques
d. Bank cards
17. Which of the following channels can banks raise capital?
a. Issuance of valuable papers
b. All are true.
c. Borrowing from other banks
d. NTTW loan
18. What factors affect the source of deposits?
a. All answers are correct
b. Public trust in the bank
c. Interest rate and quality of banking services
d. Market competitiveness and other external factors
19. Commercial banks operate mainly by:
a. Loans in the interbank market
b. Own capital contributed by shareholders
c. Budget capital allocated
d. Capital mobilized in the economy and society
20. The payment by check will:
a. Faster than paying with a spending mandate
b. There is insufficient basis to conclude the above points
c. All forms of payment are equal
d. Slower than ATM payment
21. Based on the method of credit repayment is divided into:
a. Recurring credit
b. Installment credit
c. All 3 points above
d. Installment fee credit
22. What is not characteristic of bank credit?
a. Risks in TDNH are inevitable and cannot be eliminated
b. The repayment of both principal and interest
c. The borrower shall only repay the debt when requested by the bank
d. The refund is unconditional.
23. What is not the condition of the collateral?
a. Legality
b. Liquidity
c. Calculating the value
d. Invisibility
24. What is the form of credit classified according to customer credit level
a. Short-term credit
b. Consumer credit
c. Installment credit
d. Unsecured Credit
25. Which of the following operations is an indirect credit operation?
a. Financial leasing
b. Loans under overdraft limits
c. One-time loans
d. Discount of negotiable instruments
26. Which credit operations of banks are considered off-balance sheet operations?
a. Guarantee
b. Lend
c. Factoring
d. Discounts
27. According to the provisions of the Law on Credit Institutions 2010, discounts are:
a. Priced paper-secured loans
b. Purchase term and do not reserve recourse to the beneficiary's negotiable instruments
before payment is due
c. Term sale and non-recourse of beneficiary negotiable instruments before payment is
due
d. Term purchases or purchases with recourse to negotiable instruments by
beneficiaries before payment is due
28. Credit means a transaction whose conditions for its formation are:
a. The borrower must have collateral
b. The borrower must have credibility
c. All of the above statements are true
d. The borrower must have an acquaintance
29. Credit is a debt relationship between 2 economic entities that is the decisive factor to
be formed?
a. The debtor has a lawful purpose of using capital
b. Reputable debtors
c. The debtor has collateral
d. Whether the debtor uses capital for the right purposes
30. In terms of credit value morphology, which of the following forms is different from
the rest?
a. Guarantee
b. Factoring
c. Discounts
d. Loans
31. Safety provisions in credit policies include:
a. Credit Grade Limits
b. Regulations on credit granting process, problematic debt settlement process within
banks
c. All of the above points are true
d. Regulations on forms and measures of credit security
32. The letter C in the CAMPARI rules has the meaning of:
a. All the remaining answers are wrong
b. Culture
 c. Credit:
d. Status of the borrower (Character)
33. What are the factors affecting bank credit activities
a. Own capital and internal conditions of the bank
b. All 3 points above are correct
c. Business objectives and strategies of the bank
d. The domestic socio-economic environment and the trend of international integration in
the banking sector
34. Which of the following operations is an indirect credit business
a. One-time loans
b. Discount of negotiable instruments
c. Financial leasing
d. Lending under overdraft limit
35. How is the risk compensation fee calculated:
a. The sum of the probability of default and the amount of loss in default
b. The product of the probability of default and the amount of loss when defaulting
c. Difference of probability of default and loss when defaulting
d. Quotient of the probability of default and the amount of loss in default
36. What is the significance of the credit granting process in commercial banks' credit
activities?
a. Has significance as the basis for delimitation of responsibilities and powers of
relevant departments in credit activities
b. Significant as a basis for evaluating the bank's performance
c. Significance in determining the profitability of the bank
d. Extremely important because without it banks cannot lend
37. None of the following risks fall under financial risk to the bank
a. Interest rate risk
b. Strategic risk
c. Liquidity risk
d. Credit risk
38. What risk is not a market risk:
a. Activities
b. Liquidity
c. Interest Rate
d. Exchange Rate
39. Credit risk includes:
a. Portfolio and business risks
b. Trading risks and guarantees
c. Trading and portfolio risks
d. Selection, Trading and Portfolio Risks
40. Under current law, loans are classified into several groups of debts in order of
increasing the level of risk:
a. 3
b. 5
 c. 7
d. 4
41. Bancassurance is:
a. The combination of deposit and insurance operations
b. The combination of money transfer and insurance operations
c. The combination of credit and insurance operations
d. The combination of banking and insurance operations
42. The payment service from the customer's account to the addresses requested by the
customer is:
a. Account management and safe services
b. Treasury Services
c. Authorized collection payment service
d. Recurring payment mandate payment service
43. Money exchange and counting services are services
a. Trust Services
b. Account Money Management Services
c. Treasury services (cash management)
d. All are true
44. Which of the following services is not part of the commercial bank's treasury service:
a. Transfer money abroad
b. Liquidation of assets pursuant to the will
c. Exchange currency at customer's request
d. Cash letter at customer's location
45. What is the right answer when talking about direct investment activities of banks?
a. Execution of the Repo contract
b. Establishment of affiliated companies
c. Investment in Government Bonds
d. Investment in Treasury bills
46. Which of the following activities of commercial banks must be carried out through
the establishment of subsidiaries?
a. Provision of factoring services
b. Securities brokerage
c. Forex Trading
d. Real estate business
47. Activities other than financial investment activities of Vietnamese commercial banks
include:
a. Buying and holding shares of other credit/banking institutions
b. Capital contribution to purchase shares of enterprises
c. Securities underwriting consultancy
d. Investment in financial markets
48. Which of the following types of contracts does not belong to derivatives?
a. Futures
b. Swap contracts
c. Credit Agreement
 d. Options Contracts
49. Which asset classes are highly liquid and have low profitability?
a. Government bonds
b. Corporate bonds
c. Contributing business capital to an unlisted enterprise
d. Gold, foreign currency
50. Holding, managing assets and administering assets for the benefit of beneficiaries is
the function of any service;
a. Representative Services
b. Account Money Management Services
c. It's all wrong
d. Trust Services
51. Which of the following statements is incorrect about derivatives?
a. Derivatives are always born before an underlying contract transaction
b. The introduction of derivatives stems from potential risks in contract transactions in the
economy.
c. Derivative instrument means a type of financial risk insurance when executing
economic contracts
d. Using derivatives will help customers hedge and minimize financial risks
52. What is the maximum capital contribution ratio of a bank compared to the value of
its own capital and reserve funds?
a. 40%
b. 50%
c. 30%
d. 60%
53. Which of the following is not the purpose of securities investment activities for
commercial banks?
a. Minimizing focus risk
b. Provide liquidity to banks when needed
c. Regulation of the stock market
d. Diversification of profitable activities
54. What is the significance of securities investment activities for commercial banks?
a. Customer Service Development
b. Provide liquidity as needed
c. Minimizing risks in investment
d. Brand enhancement
55. The meaning of securities investment activities for commercial banks is to:
a. Diversify profitable activities
b. Increase profits
c. Provide liquidity as needed
d. The above sentences are true
56. Which sentence is incorrect for savings deposits?
a. Customers deposit money for the purpose of profit
b. Customers send money for safety purposes
 c. The Customer may use the means of payment
d. The Client may withdraw funds at any time without prior notice
57. The type of cheque guaranteed by the bank to be paid to the beneficiary by freezing
the amount of the cheque issuer at the bank is:
a. Checks
b. Cash checks
c. Slashed checks
d. Order checks
58. A bank's capital mobilization activities are:
a. Financial leasing
b. Discounting priced documents
c. Lending capital to individuals and organizations
d. Issuance of valuable papers
59. Differences between debit and credit cards:
a. Credit cards used to grant credit, debit cards used to pay off debts
b. Credit cards do not require customers to have funds on the account to be used,
debit cards require customers to have funds on the account to be used
c. Credit cards issued by credit institutions, debit cards issued by banks
d. TD card requires customers to have money on the account to be used, debit cards do
not require customers to have money on the account to be used
60. “........................ is an unconditional payment order sheet, signed by a client of the
bank ordering the bank to deduct a certain amount from its account to pay the
designated person."
a. Payment Order
b. Bill of Exchange
c. Cheque (Check)
d. Letter of Credit (L/C)
61. Magnetic and electronic cards are distinguished from each other in:
a. The origin of the amount on the card
b. Card usage
c. Techniques for reading and retaining information on cards
d. Card payment method
62. Which of the following characteristics is of e-PTTT:
a. Cardholders are entitled to deferred payment
b. The seller's account will be credited after a certain number of days
c. Used in conjunction with electronic cards
d. There is no separation between transaction time and settlement time
63. The net LS that the borrower pays depends on:
a. LS Notice
b. Fees included in the loan process
c. Method/method of bank calculation of interest
d. The above sentences are true
64. A customer using a shopping card at a supermarket, the value of goods is
immediately debited to the payment account of the cardholder and credited to the
supermarket's account. The type of card and PTTT are:
a. TD card and electronic PTTT
b. Debit cards and mechanical PTTT
c. TD card and mechanical PTTT
d. Debit cards and e-PTTT
65. The similarities in the method of payment of checks and payment mandates are:
a. Payment documents issued by debtors
b. Possibility of encountering fake documents
c. Transferred directly in the transaction
d. All of the above statements are true
66. Banks invest in fixed-yield securities such as government bonds. When the market
LS rises, how will it affect the market price of previously issued debt securities:
a. Lowering the market price of debt securities
b. Increases the market price of debt securities
c. No change in the market price of debt securities
d. All of the above points are wrong
67. Companies that buy or sell foreign currency forward contracts are to:
a. Asset Management
b. Operating assets for the benefit of beneficiaries
c. a and b are wrong
d. a and b are correct
68. In securities underwriting, NH:
a. It is mandatory to offtake all issued securities
b. It is mandatory to carry out procedures for offering and selling and offloading all issued
securities
c. Whether or not it is fully consumed depends on the type of underwriting provided
by the bank
d. All of the above points are correct
69. Functions of a trust:
a. Asset Management
b. Operating assets for the benefit of beneficiaries
c. a and b are wrong
d. a and b are correct
70. Arbitrage operations – exchange rate difference trading are:
a. Banks invest their own capital for business
b. Regularly takes place based on NH predictions
c. Do not pose exchange rate risk to banks
d. Always create foreign exchange positions
71. None of the following risks fall under market risk according to the Basel committee:
a. Forex Risks
b. Commodity risk
c. Interest Rate Risk
 d. Operational risk
72. A customer deposits gold safely in NH. The relationship between banks and customers is:
a. Relationship between borrower and lender
b. Relationship between consignee and depositor
c. Relationship between lessor and safe tenant
d. Principal and agent
73. When analyzing the repayment capacity of customers, commercial banks will
consider which factors are the first source of debt repayment:
a. The entire property is owned by the borrower
b. Collateral value
c. Cash flow from the loan plan
d. a b c true
74. The type of risk related to customer appraisal and analysis before making a credit
grant decision is called:
a. Credit risk
b. Risk of choice
c. Business risks
d. Security risk
75. Credit institutions contribute capital to purchase shares of enterprises by:
a. Charter capital, reserve funds and mobilized capital
b. Charter capital and reserve fund
c. Charter capital and mobilized capital
d. Charter capital, reserve funds and borrowed capital
76. Credit institutions shall classify debts by five (05) groups as follows:
a. Qualifying debt; Substandard debt; Debt needs attention; Doubtful debt; Debt with
potential loss of capital
b. Qualifying debt; Debt needs attention; Doubtful debt; Substandard debt; Debt with
potential loss of capital
c. Qualifying debt; Debt needs attention; Substandard debt; Doubtful debt; Debt
with potential loss of capital
d. Qualifying debt; Doubtful debt; Debt needs attention; Substandard debt; Debt with
potential loss of capital
77. The objectives of financial investment activities of commercial banks are:
a. Risk dispersal
b. Increase income, make more profits
c. Create liquidity
d. All are true
78. Which of the following types of contracts falls under the category of derivatives:
a. Contract of Guarantee
b. Mortgage agreement
c. Options
d. Credit Agreement
79. The bank's operations include:
a. Treasury, credit and securities investment
 b. Treasury, loans and bank guarantees
c. Mobilization of deposits, loans and securities brokerage
d. All are true
80. Which of the following states the difference between a check and an expenditure
mandate
a. The subject makes a decent payment order
b. The likelihood of fake documents in checks is higher than in payment mandates
c. Cheques are transferred directly in the transaction, but payment authorizations are not
d. Sentences b and c are correct
81. Significance of securities investment activities for commercial banks to
a. Provide liquidity when needed
b. Diversify profitable activities
c. Risk dispersion in capital use
d. The above sentences are all true
82. Which of the following factors most strongly determines the choice of bank to open
a current deposit account
a. Interest rate on deposits
b. Account maintenance minimum balance
c. Flexibility and variety of means of payment
d. Interest calculation method
83. Which of the following statements specifies the nature of trading deposits
a. Balance fluctuates abnormally
b. To use the means of payment through banks
c. Non-payment of interest/low interest payment
d. All sentences are incorrect
84. Diversification in credit portfolio structure
a. Banks easily grasp the characteristics of the customers they choose to lend to
b. Banks easily grasp the characteristics of the industry in which they choose to lend
c. Banks leverage their insights into a certain market segment
d. All of the above points are wrong
85. According to SBV's current regulations, credit institutions are not required to
maintain
a. CAR minimum capital adequacy ratio and short-term capital ratio for medium-term
loans
b. Credit grant limits and share purchase capital contribution limits
C. A and B are both correct
d. It's all wrong
86. None of the following operations are debtors/source generators of banks
a. Deposit mobilization
b. Discounted price of priced sheets
c. Borrowing in the interbank market
d. Issuance of shares
87. Which of the following operations is the internal business of commercial banks
a. Buy corporate bonds
 b. Investment Consultancy
c. Safe rental
d. Loan guarantee
88. Which of the following statements is incorrect about options contracts
a. In an options contract, the option buyer pays the seller an amount called the option cost
b. The commodities applicable in the case of options can be stocks, stock indices
c. The two parties buying and selling are required to execute the committed
transaction
d. An option contract is an instrument that allows its holder to buy or sell a certain volume
of a commodity at a specified price and for a certain period of time
89. Which of the following instruments is considered an internal instrument to help
banks reduce credit portfolio risks
a. Securitization of debt
b. Credit Risk Swaps
c. Purchase and sale of debt
d. None of these tools
90. Which of the following statements is not true
a. In essence, interest rates are a type of price and are influenced by supply and demand
relations
b. The basic interest rate is the highest interest rate that the bank applies to
reputable customers
c. The base rate is the floor of the lending rate
d. The prime interest rate indicates the minimum amount of income on the amount lent
by the bank
91. Basel standards can help banks
a. Improve and improve risk management capabilities
b. Branch network expansion
c. Development of new products and services
d. Ensuring cybersecurity in electronic transactions worldwide
92. None of the following services are not part of the commercial bank's treasury
services
a. Exchange currency at customer's request
b. Payment of property under the will
c. Cash collection at customer's location
d. Transfer money abroad
93. None of the following activities of commercial banks must be carried out through
the establishment of subsidiaries
a. Real estate business
b. Securities Trading
c. Forex Trading
d. Provision of factoring services
94. A customer deposits large sums of money in a bank for the purpose of each month
contributing more gradually to save after several years to cover the cost of sending
his children to study abroad, the appropriate deposit product is
 a. Term savings
b. Flexible principal and interest withdrawal savings
c. Installment savings
d. Saving time deposits
95. ABC company needs the bank to finance capital to fulfill new orders after deferred
sales to agents, the bank will grant credit to ABC company in the form of
a. Additional working capital loans
b. Slideshow
c. Contract performance guarantee
d. Factoring
96. Which of the following operations is the internal business of commercial banks
a. Buy corporate bonds
b. Investment Consultancy
c. Safe rental
d. Loan guarantee
97. Credit and debit cards can be distinguished by any of the following characteristics
a. Payment use of the card
b. Payment usage of cards
c. Card payment techniques
d. The origin of the amount on the card
98. Treasury bills are issued in order to
a. Raising capital for the company
b. Serving the development investment needs of the company
c. Making up the shortfall of the State Budget
d. Increase expenditure for the company
99. The development of an internal rating system aims to
a. Staff management in the bank
b. Manage all your bank's customers
c. Ensuring network security for the e-banking system
d. All of the above points are wrong
100. Which of the following items falls under the capital of commercial banks
a. Client's L/C Open Margin Deposit
b. Deposits at other commercial banks
c. Joint venture capital contribution with other credit institutions
d. Purchase of shares of affiliated companies
 STUDOCU
100. Which of the following items belong to the capital of commercial banks?
a. Customer's L/C opening margin deposit
b. Deposits at other commercial banks
c. Contributing capital to a joint venture with other credit institutions
d. Buy shares in affiliated companies
101 . Which of the following is a qualitative assessment method for customers and
loans ?
phươmg pháp đánh giá định tính
a. Method of artificial nervous system: phương pháp hệ thần kinh nhân tạo
b. Judgment method: phương pháp phán đoán
c. Credit score method: phương pháp tính điểm tính điểm tín dụng
d. All of the above are correct
102 . Minimum capital adequacy ratio is
Tỷ lệ an toàn vốn tối thiểu
a. Own capital divided by assets and liabilities at risk.
b. Own capital divided by assets with convertible risk. vốn tự có trên tài sản có
rủi ro chuyển đổi
c. Charter capital divided into convertible risky assets.
d. Own capital divided by total capital.
103 . Which of the following measures will help depositors directly increase
economic benefits?
a. Diversify deposit products
b. Applying competitive interest rates
c. Diversify products and services
d. Join deposit insurance
104 . Credit Scoring System is used to
a. Credit officer management
b. Customer analysis in deposit transactions
c. Improve the quality of payment by credit card
d. All of the above are incorrect
105 . Which of the following statements is not true about agency services?
a. The relationship between the customer and the representative is not as close
as in the mandate
b. An authorized representative on behalf of the client in each specific case
c. The agent has more rights to the property than the fiduciary service
d. All of the above sentences are wrong
106 . Which of the following documents in the loan application file shows the
borrower's voluntariness:
a. Business registration license: giấy phép đăng ký kinh doanh
b. Contract for the purchase of raw materials: hợp đồng mua nguyên vật liệu
c. Certificate of land use right: giấy chứng nhận quyền sử dụng đất
d. Loan application form:
 107 . What are the main differences in operation between commercial banks and
non-banking credit institution
Ngân hàng thương mại và Tổ chức tín dụng phi ngân hàng
a. Commercial banks are allowed to raise capital by personal deposit accounts
while non-bank credit institutions cannot
b. Commercial banks lend and mobilize capital while non-bank credit institutions
lend but do not mobilize capital
c. Commercial banks are a type of credit institutions, so they only do some banking
activities while non-bank credit institutions are allowed to do all banking activities.
d. Commercial banks are allowed to lend while non-bank credit institutions cannot
108 . According to current regulations, which account is the amount used for debit
card payment?
a. Term deposit account
b. Payment deposit account
c. Term savings account
d. Current account
109 . In Vietnam, which of the following forms of payment is exclusively for credit
institutions?
exclusively: dành riêng
a. Payment by authorization
b. Clearing
c. Payment by authorization
d. Payment by bill of exchange
110 . According to the current lending regulations, the number of loan methods
that the bank can make is:
a. 8 methods
b. 7 methods
c. 6 methods
d. 5 methods
111 . Banks are organizations
a. Borrow to lend
b. Get deposit to lend
c. Get entrusted capital to lend
d. Issue shares to lend
112 . The law stipulates which of the following activities are banking activities?
a. Lending , deposit mobilization, financial consulting
b. Receiving deposits, granting credit, currency brokerage
c. Receiving deposits, granting credit, providing payment services through
accounts
d. Receiving deposits, granting credit, anti-money laundering, financial advice
113 . Which of the following is not true about financial companies?
a. Operating in the field of conditional business
b. Providing payment services
c. Business objects are financial assets
d. As a financial intermediary
114 . Joint venture capital of commercial banks is deducted from
a. NH's charter capital
b . Deposits mobilized from customers
c. SMALL Reserve Fund
d. a and c