Bad and incomplete information used by the credit officer to make loan recommendation will lead to the following risk
The followings are the characteristics of information essential and useful for credit risk assessment used by credit officer EXCEPT
Which of the followings is the primary information source to be used by credit officer?
The main purpose of credit information is to
Which of the following is the best indicator of future credit behavior and ability to pay in Consumer Lending?
In business lending, the credit related information requirement include th followings EXCEPT
The process of confirming the borrower's declared information is called
Credit Information system can be broadly categorised as
I. External Credit Information System
II. Internal Credit Information System
III. Blacklist System
IV. Lead Information System
Which of the following is Credit Information system maintain by BNM?
Which of the followings are considered as Blacklists System?
I. Dishonoured Cheques Information System (DCHEQS)
II. Official Assignee's List of Bankrupts
III. CCRIS
IV. RAM Credit information
Information system that provide lends to assist the process of decision making, which is done via pass record is
Credit Reference agencies and bureau are special organisation set up to assist financial markets and creditors to conduct a credi check. which of the followings maintained by BNM?
I. CTOS
II. CCRIS
III. DCHEQS
IV. RAM Credit information
CCRIS is accessable to financial institution only. which of the following reports are made available by CCRIS?
I. Summary credit exposure report on a borrower
II. Detailed individual credit report
III. Motor vehicle report
IV. Customer supplementary information report
Which of the following credit information bureau provide financial summaries report of business and companies. Providing the past 3 years financial summaries on profit and loss performances. Balance Sheets as wall as key Financial Ratios.
Which of the following may rais a red flag during credit verification in Consumer Lending?
Financial information on income and expenditure is necessary to establish loan servicing capacity of an individual. Based on the following information, compute the available cash for future additional loan repayments.
Annual Salary RM180,00
Rental income RM40,000
Interest Income from FD RM500
House RM500,000
Home Loan RM300,000
Tax Deduction RM20,000
Living Expenses RM90,000
Car Maintenance RM5,000
HP Payment RM24,000
Home Mortgage RM50,000
Based on the following information, compute the net worth of the individual
House RM500,000
Home Loan RM300,000
Car RM100,000
Deposits RM10,000
Cash RM5,000
Car Loan RM80,000
Credit Card RM40,000
Which of the followings statements summaries the total cash generated and used by the company during the year or according period?
Which of the following approach in valuation is considered most reliable when used on newer structure, but tends to become less reliable for older properties?
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February 9, 2026
