lOMoARcPSD| 36667950 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 commercialbanks
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 insecurities.
d. Means all monetary sources created by commercial banks for lending and investment lOMoARcPSD| 36667950 5.
In Vietnam, the operation of any financial institution is similar to that of aninvestment 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 andcooperative 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 mobilizationoperations
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 lOMoARcPSD| 36667950 b. Financial leasing
c. Discounting valuable papers d. Loans
10. According to current regulations, domestic commercial banks shall be
establishedand 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
termdeposits (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 lOMoARcPSD| 36667950
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
anorthern 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? lOMoARcPSD| 36667950 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. lOMoARcPSD| 36667950
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 lOMoARcPSD| 36667950
c. Term sale and non-recourse of beneficiary negotiable instruments before payment isdue
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 tobe 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 lOMoARcPSD| 36667950
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 inthe 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? lOMoARcPSD| 36667950
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
ofincreasing the level of risk: a. 3 b. 5 lOMoARcPSD| 36667950 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 thecustomer 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? lOMoARcPSD| 36667950
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
throughthe 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 banksinclude:
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 lOMoARcPSD| 36667950 d. Gold, foreign currency
50. Holding, managing assets and administering assets for the benefit of beneficiaries
isthe 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 inthe 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
ofits 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 forcommercial banks? a. Minimizing focus risk
b. Provide liquidity to banks when needed
c. Regulation of the stock market
d. Diversification of profitable activities lOMoARcPSD| 36667950
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
freezingthe 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 lOMoARcPSD| 36667950
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
donot require customers to have money on the account to be used
60. “........................ is an unconditional payment order sheet, signed by a client of
thebank 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 lOMoARcPSD| 36667950
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
isimmediately 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: lOMoARcPSD| 36667950 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 allissued 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 lOMoARcPSD| 36667950 d. Operational risk
72. A customer deposits gold safely in NH. The relationship between banks andcustomers 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
creditgrant 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: lOMoARcPSD| 36667950
a. Qualifying debt; Substandard debt; Debt needs attention; Doubtful debt; Debt withpotential loss of capital
b. Qualifying debt; Debt needs attention; Doubtful debt; Substandard debt; Debt withpotential 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 withpotential 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 expendituremandate
a. The subject makes a decent payment order lOMoARcPSD| 36667950
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
acurrent 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 lOMoARcPSD| 36667950
85. According to SBV's current regulations, credit institutions are not required tomaintain
a. CAR minimum capital adequacy ratio and short-term capital ratio for medium-term loans
b. Credit grant limits and share purchase capital contribution limitsC. 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
certainvolume 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 lOMoARcPSD| 36667950 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 demandrelations
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 bythe 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 treasuryservices
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 lOMoARcPSD| 36667950 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
monthcontributing 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
deferredsales 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 lOMoARcPSD| 36667950
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