1.
Saya diam apabila berada dengan orang yang tidak dikenali
2.
Which of the following can be used to Quantify Fund Diversion Risk.
I. Dividend Payment
II. Amount Due to Directors
III. Amount Due from Directors
IV. Debt Service Ratio (DSR)
3.
The followings are the main areas of Qualitative Analysis to be analysed in Credit Report.
I. Management / Shareholders
II. Character
III. Business Operating Cycle / Operating Risks
IV. Industry / Competation
4.
With reference to the Statement of Financing Position, calculate the amount of the Retained Earning.
Statement of Financing Position
( as at .................. )
| Asset | Equity + Liability |
Cash
Stock
Equipment | | 1,000
3,000
4,000 | Capital
Retained Earning
Drawing | | 5,000
?
(500) |
| | |
XXXX
| | |
XXXX
|
5.
Computation Net Working Capital Requirement
| Items (RM) | Projected | Existing |
| Stock (S) | 4000 | 2000 |
| Debtors (D) | 6000 | 4000 |
| Creditors (C) | 2000 | 1000 |
| NWC = S+D-C | XXXX | XXXX |
6.
Projected Income Statement (for the year ended.....)
| Revenue | | | | 3,618 |
| Opening Stock | | 308 | | |
| Purchases | | ? | | |
| Closing Stock | | 428 | | |
| Costs of Sales | | | | 2,605 |
| Gross Profit | | | | 1,013 |
| - | | | | |
| - | | | | |
Based on the above data, calculate the amount of Purchases.
7.
Which statement is incorrect in respect of Balance Sheet analysis.
8.
Which of the following are the ratios used to measure efficiency?
I. Debtors Turnover
II. Inventory Turnover
III. Creditors Turnover
IV. Current Ratio
9.
The components or structure of a Credit Report is the arrangement of informations and facts written in sequence in order for the purpose of making Credit Decision. They are:
10.
Debt Service Ratio (DSR) can be used to quantify:
11.
When writing a Credit Report, the Financing Officer should cover the following entire scope of Credit Evaluation.
12.
Compute Debt Service Ratio (DSR) based on the following informations / data.
| Financing amount | = | RM60,000 |
| Tenure | = | 4 years |
| Projected Annual Sales | = | RM100,000 |
| Depreciation | = | RM2,000 |
| Projected Profit After Tax | = | 10% of Projected Sales |
13.
Based on the below Statement of Financial Position, compute retained earning.
Statement of financial position (As at ……….) in thousand RM
14.
Bases on Diagram 1 below, which borrower your recommend for financing
15.
Based on the following data compute, the Current Ratio
Stock = RM2,000
Cash = RM3,000
Trade Payable = RM3,000
Trade Receivable = RM1,000
Capital = RM10,000
Overdraft = RM1,000
16.
Based on the following data, compute the current ratio
Stock = RM2,000
Cash = RM3,000
Trade Payable = RM3,000
Trade Receivable = RM1,000
Capital = RM10,000
Overdraft = RM1,000
17.
Based on the following date, compute Current Ratio.
Stock: RM2,000
Cash: RM3,000
Trade Payable: RM3,000
Trade Receivable: RM1,000
Capital: RM10,000
Overdraft: RM1,000
18.
Ability to pay the business can be measured from
19.
Based on the following data, compute Break Even Point of Sales
Sales = RM10,000
Variable Costs = RM6,000
Fixed Costs = RM2,000
20.
Which of the following are not Operating Risks?
I. Collection Risks
II. Demand Risks
III. Downside Risks
IV. Credit Risks
21.
Compute Debt Service Ratio (DSR) based on the following information's/data
Financing Amount = RM60,000
Tenure = 4 Years
Projected Annual Sales = RM100,000
Depreciation = RM2,000
Projected Profit After Tax = 10% of Sales
22.
Before writing the Credit Report, the Financing Officer must understand
23.
Debt Equity Ratio (Gearing) measures:
24.
Executive Summary which accompany the main Credit Report must convey...
25.
The Components of Credit Report should be written in sequential order for purpose of making Credit Decision.
I. Executive Summary
II. Main Contents
III. Introduction or Purpose
IV. Conclusion and Recommendation
26.
Which borrower justify a longer tenure
27.
Which of the following is NOT the content of the New Financing Application
January 17, 2025
