The primary source of repayment for business financing should be:
Which institution regulates banks in Malaysia?
A company’s current ratio declined from 2.0 to 0.7. This indicates:
Primary considerations before granting credit include:
I. Repayment capacity
II. Purpose of financing
III. Borrower integrity
IV. Political influence
Account conduct deterioration may include:
I. Returned cheques
II. Excess drawings
III. Delayed instalments
IV. Improved cash balances
A guarantor signs documents without understanding obligations. The bank officer should:
Commercial banks mainly provide:
Which of the following is NOT part of the 5Cs?
Financial statements include:
I. Balance Sheet
II. Income Statement
III. Cash Flow Statement
IV. Loan Agreement
Gross profit margin indicates:
Good lending principles include:
I. Safety
II. Liquidity
III. Profitability
IV. Speculation
Sources of credit risk include:
I. Business risk
II. Financial risk
III. Industry risk
IV. Documentation risk
Operational controls in credit operations include:
I. Segregation of duties
II. Proper authorization
III. Documentation checks
IV. Internal audit reviews
A valid contract requires:
Under AMLA, reporting institutions must:
I. Conduct CDD
II. Maintain records
III. Report suspicious transactions
IV. Guarantee customer investments
During economic recession, banks should generally:
Islamic banks operate based on:
The current ratio measures:
The 5Cs consist of:
I. Character
II. Capacity
III. Capital
IV. Collateral
Bankruptcy may affect a borrower’s:
Which is MOST important in credit operations?
Credit monitoring is conducted to:
Functions of financial system include:
I. Mobilisation of savings
II. Allocation of funds
III. Facilitation of payments
IV. Risk management
Which ratio measures leverage?
The Financial Services Act 2013 regulates:
Under CAMPARI, “P” refers to:
Which market facilitates long-term fund raising?
Which document outlines financing terms and conditions?
Which factor may increase lending risk?
Which 5C component evaluates owner’s financial commitment?
Which document is important during annual review?
A floating charge commonly covers:
Which is an early warning signal?
Which transaction may be considered suspicious?
Monetary policy tools may include:
A borrower delays submission of audited accounts for two years. The banker should view this as:
Objectives of FSA 2013 include:
I. Financial stability
II. Consumer protection
III. Regulatory oversight
IV. Elimination of all banking risks
Which action is MOST appropriate upon detecting early warning signs?
Profitability ratios include:
I. Gross profit margin
II. Net profit margin
III. Return on equity
IV. Current ratio
Financial institutions must retain records for:
Inventory turnover ratio measures:
The primary objective of prudent lending is to:
A borrower defaults on instalments for six months. The bank should FIRST:
Customer Due Diligence (CDD) requires:
Which document creates legal rights over land security?
Which of the following BEST reflects prudent lending?
Which principle requires matching loan tenure with asset life?
“Character” in the 5Cs refers to:
Legal remedies available to banks may include:
I. Foreclosure
II. Legal action
III. Appointment of receiver
IV. Restructuring facility
Credit monitoring includes:
I. Monitoring repayment conduct
II. Reviewing financial performance
III. Monitoring covenant compliance
IV. Monitoring industry conditions
Examples of suspicious activities include:
I. Structuring transactions
II. Sudden unusual transfers
III. Transactions inconsistent with profile
IV. Regular salary crediting
The purpose of legal documentation is to:
A borrower’s account frequently exceeds approved limits. This may indicate:
Which CAMPARI component evaluates financing purpose?
Functions of Bank Negara Malaysia include:
I. Issuing currency
II. Supervising banks
III. Maintaining monetary stability
IV. Approving all personal loans
A bank should review customer facilities:
Which is an example of banking environment risk?
Which is considered secondary repayment source?
A borrower has strong collateral but unstable cash flow. The banker should:
Characteristics of good security include:
I. Marketability
II. Stable value
III. Easy enforceability
IV. Emotional value
Bank Negara Malaysia is responsible for:
A disruption in payment systems may affect:
A debenture is commonly used for:
Early warning signs include:
I. Delayed instalments
II. Returned cheques
III. Declining sales
IV. Stable profitability
Common securities include:
I. Landed property
II. Fixed deposits
III. Shares
IV. Guarantees
Which institution operates payment systems in Malaysia?
A fixed charge usually applies to:
What is the purpose of credit risk assessment?
Under CAMPARI, assessment includes:
I. Amount requested
II. Repayment source
III. Insurance/security
IV. Character reference only
The Malaysian financial system consists mainly of:
Which indicates deteriorating credit quality?
A customer refuses to provide identification documents. The bank should:
A company requests a 10-year loan to finance working capital requirements. The banker should:
Which is an example of industry risk?
The purpose of collateral is to:
Components of Malaysian financial system include:
I. Financial Institution
II. Financial Market
III. Capital market and participants
IV. Payment System
June 29, 2026
