The concept of risk management requires credit officers to
I. Take calculated risk
II. Ask a neutral third party's opinion when encountered with marginal or complete credit
III. Identify risks that can cause the credit to be vulnerable
IV. Mitigate the identified risks, meaning that some measures have been taken either by the borrower or imposed by the lender to ensure that the risks are under control
In a partnership, liability of partners is usually
One of the following is not the feature of a qualified title
When taking property with title as security, one of the following is not necessary
The database that are managed by the Credit Bureau in Malaysia include
I. CCRIS
II. CTOS
III. BASIS
IV. DCHEQS
Which of the following is the Accounting equation?
Which of the following is not an accounting doctrine?
Which of the following can be determined only with Balance Sheet?
Which of the following is not a source to finance the purchase of fixed assets?
Financing Gap is determined by
Select the false statement regarding foreclosure proceedings
Which of the following areas of analysis is best considered as part of qualitative analysis?
Which of the following statement best reflect the intention Sec 270?
Which of the fundamental credit risk management principles concerns with proper structuring of the facilities to ensure loans are used for intended purposes?
Which of the following statements are TRUE relating to solvency ratio except?
Which of the following is the unqualified opinion?
The following are normally included in the notes to the accounts except
What does "Resident" means?
What is the meaning of a cross-default clause?
Which of the followings provide lead information for credit analysis?
I. CCRISÂ
II. CCM
III. CTOS
IV. BMC
One of the following statements is false regarding lien-holder's caveat.
What is the main objective of Government Investment Act 1983?
All of the following are steps in securing interest in property without title, except
Bank Negara Malaysia issues prudential standard under Sections 47-48 primary to:
Gearing / Leverage ratio measures
Doctrine of Disclosure relates to
Which of the following is a common red flag that can be observed in the financial statement?
All loans shall be classified as impaired when __________
In the computation of ROI, EBIT is preferred over other profit measures in the numerator
Which of the following is the formula for Return on Equity?
Identify the statements which are true
I. Deposit of title with a lending bank creates security interest
II. The advantage of the lien-holder caveat is no stamp duty payableÂ
III. Both private and lien-holder caveat require judgment prior to foreclosure
IV. A charge over a sole-proprietor’s property for a loan to the business is considered a 3rd party charge
Adjudication is the process of
Financial commitment of shareholders as owners in their business is measured by
I. Shareholder's funds in the business
II. Subordinated loans to the business
III. Third party collateral provided by owners
IV. Shareholders/owners have positive net worth
Which of the following is the best description for "Collateral"?
As a credit officer, which concept is important to understand whilst going through Foreign Exchange Administration (FEA) Rules and Notices?
Which of the following is the function commercial banks?
A blacklist system exists primarily for
The crystallisation of the assets under floating charge can occur under the following circumstances except for
The prime objective of development finance institution is to provide _________
In Prospective Analysis of financial statements, the following areas should be addressed except
Under CAMPARI, "Margin" refer to
During a loan application, which of the following is a likely window dressing measure adopted by a customer?
Rescheduling involves one of the following actions
Which is the main reason for a company to issue preferred shares
Lenders must scrutinise Memorandum and Article of Association of a corporation in order to check
I. Corporation's power to borrow
II. Corporation's Board of Directors
III. Corporation's power to charge company assets as security
IV. Corporation's paid up capital
The insurance which is taken by developers is
Regulation of credit token companies will come under the purview of the following:
Which of the following is the most important legislation to safeguard the interest all stakeholders in financial intermediaries
Which of the following is not included in the six core principles of conduct for directors, officers and employees in the banking industries?
What is the purpose of a prohibitory order?
Which of the following financial institutions deposits is guaranteed by government?
Personal guarantee is considered redundant for which of the following types of borrowers?
I. Partnership
II. Sole proprietor
III. Office bearers of societies / clubs
IV. Shareholders of a limited company
Detailed Cash Flow Projection Method-Indirect Format starts with?
What is the main difference between a Code of Ethics and Code of Conduct?
Which of the following is not a management style?
Effective 9 October 1995, the guidelines for accepting guarantees are attended to achieve the following objective except __________
Which of the following is NOT the principal objectives of Bank Negara Malaysia?
Which of the following is NOT one of the fundamental credit principles?
Prior to 1986. housing loans were not extended for more than 10 years. Currently tenors can be extended to 25 years. This is possible due to the __________
Frequent extension on the maturity of the trade bills may indicate
Under Section 134, which of the following is a permitted disclosure?
Which is the most dominant general insurance in Malaysia?
Which of the following is correct sequence of a credit process?
What is the main objective of the Credit Guarantee Corporation Malaysia Berhad?
When stock period increases and trade creditors’ period decreases, what happens to the financing gap?
This group of ratio deals with the profitability of the day to day business of the borrower. A sub -category ratio in this group of ratio is
In preparing for CCR exam, the best strategy include
What is the main purpose of BNM "Fit and Proper Criteria" for directors and key responsible persons in financial institutions?
The formula for Average Stock Turnover Period is
Which of the following is a profitability ratio in relation to investment?
The first commercial bank established in Malaysia was __________
Which of the following would most likely be included in a Code of Practice issued by Bank Negara Malaysia?
In law, a natural person refers to
The following are forms of capital reserve EXCEPT
Which of the following are recognised as keepers liquidity?
One of the main aspects of the Development Finance Institution Acts 2002 (DFIA) is __________
In the event of delay in making a bankruptcy search, a lender may require
Company uses cash to prepay long term bond. The effect on current ratio and assets turnover ratio are?
In providing the company's direction and strategic plan, the lender must determine
I. Character of the management teamÂ
II. Track record
III. Capability of the management teamÂ
IV. Size of the management team
Which of the following is/are true about accessing “Character" for consumer lending?
I. Borrower's age
II. Marital status
III. Occupations
IV. Income pattern