Bank credit operations (Answers to the SYNERGY/MY test)
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13.06.2024
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Description
Answers to the test Bank credit operations - SYNERGY, MY, MIT.
The result is 80-100 points.
The test was taken in 2024.
To search for test answers in a WORD file, press the combination "CTRL+F". Then enter a question to quickly find the answer.
Before purchasing, be sure to review the questions already provided in advance, as tests and instructors change!
QUESTIONS FOR THE TEST:
The bank's credit potential is...
amount of funds attracted by the bank
resources accumulated by the bank minus funds invested by the bank in securities and precious metals
total amount of funds mobilized by the bank
the amount of funds mobilized by the bank minus the liquidity reserve
According to Regulation No. 254-P of the Bank of Russia, a reserve in the amount of...
from 1 to 20%
from 21 to 50%
100%
from 51 to 100%
0%
The bank's credit risk level...
varies depending on the accuracy of fulfillment of obligations under the loan agreement by the borrower
remains unchanged after assessing the borrower's creditworthiness
changes following changes in the liquidity of the collateral
A loan agreement can be defined as...
an agreement according to which one party transfers money and other things defined by generic characteristics for use to the other party, and the borrower undertakes to return
subject to loan of the same kind and quality
provision by one party of money or things defined by generic characteristics to the other party in the form of an advance, prepayment, deferment and installment payment for goods, works and services
the obligation of one party to provide funds to the other party in the amount and on the terms stipulated by the agreement, and the borrower is obliged to return the amount and pay interest on it
According to Regulation 254-P, the assessment of credit risk on a loan must be carried out
...
on a periodic basis
based on the frequency specified in the internal documents of the credit institution on an ongoing basis
depending on the financial condition of the borrower client
The procedure for calculating interest on credit transactions is determined by the Regulations of the Bank of Russia...
No. 254-P
No. 39-P
No. 302-P
No. 242-P
According to Regulation 254-P, the basis for calculating the reserve for possible losses is ...
amount of principal debt penalty
principal amount
principal amount interest penalty interest penalty
A technical loan provided to a first-class borrower in the event of a debit balance in his current account is...
letter of credit
credit line current account overdraft
A loan agreement differs from other loan agreements...
subjects of the agreement
the subject of the loan, the form of the agreement and the subjects of the agreement; the subject of the loan
form of contract
The tools that reduce the likelihood of an individual borrower’s risk materializing include...
Answer type: Multiple choice
credit diversification
refusal to issue high-risk loans; use of interest rates
reduction of loan term
adjusting the goals and objectives of the bank’s credit policy
The fair value of collateral belonging to collateral quality categories I and II is determined by the credit institution on an ongoing basis, but not less frequently...
once a week once a quarter once a month once a year
Credit scoring is...
scoring method for assessing credit risk by classifying borrowers into groups; express method for assessing the difference between the value of collateral and the size of a consumer loan
a way to measure the likely amount of provisions for possible losses
the process of providing people with money or goods that meet their consumer needs, followed by repayment of the debt
It is not true that ... refers to credit sanctions for the borrower's early payment of interest payments by a credit institution
transfer to a special lending regime
early collection of a loan in case of use of funds for other purposes than for their intended purpose termination of lending
Investment lending is...
The result is 80-100 points.
The test was taken in 2024.
To search for test answers in a WORD file, press the combination "CTRL+F". Then enter a question to quickly find the answer.
Before purchasing, be sure to review the questions already provided in advance, as tests and instructors change!
QUESTIONS FOR THE TEST:
The bank's credit potential is...
amount of funds attracted by the bank
resources accumulated by the bank minus funds invested by the bank in securities and precious metals
total amount of funds mobilized by the bank
the amount of funds mobilized by the bank minus the liquidity reserve
According to Regulation No. 254-P of the Bank of Russia, a reserve in the amount of...
from 1 to 20%
from 21 to 50%
100%
from 51 to 100%
0%
The bank's credit risk level...
varies depending on the accuracy of fulfillment of obligations under the loan agreement by the borrower
remains unchanged after assessing the borrower's creditworthiness
changes following changes in the liquidity of the collateral
A loan agreement can be defined as...
an agreement according to which one party transfers money and other things defined by generic characteristics for use to the other party, and the borrower undertakes to return
subject to loan of the same kind and quality
provision by one party of money or things defined by generic characteristics to the other party in the form of an advance, prepayment, deferment and installment payment for goods, works and services
the obligation of one party to provide funds to the other party in the amount and on the terms stipulated by the agreement, and the borrower is obliged to return the amount and pay interest on it
According to Regulation 254-P, the assessment of credit risk on a loan must be carried out
...
on a periodic basis
based on the frequency specified in the internal documents of the credit institution on an ongoing basis
depending on the financial condition of the borrower client
The procedure for calculating interest on credit transactions is determined by the Regulations of the Bank of Russia...
No. 254-P
No. 39-P
No. 302-P
No. 242-P
According to Regulation 254-P, the basis for calculating the reserve for possible losses is ...
amount of principal debt penalty
principal amount
principal amount interest penalty interest penalty
A technical loan provided to a first-class borrower in the event of a debit balance in his current account is...
letter of credit
credit line current account overdraft
A loan agreement differs from other loan agreements...
subjects of the agreement
the subject of the loan, the form of the agreement and the subjects of the agreement; the subject of the loan
form of contract
The tools that reduce the likelihood of an individual borrower’s risk materializing include...
Answer type: Multiple choice
credit diversification
refusal to issue high-risk loans; use of interest rates
reduction of loan term
adjusting the goals and objectives of the bank’s credit policy
The fair value of collateral belonging to collateral quality categories I and II is determined by the credit institution on an ongoing basis, but not less frequently...
once a week once a quarter once a month once a year
Credit scoring is...
scoring method for assessing credit risk by classifying borrowers into groups; express method for assessing the difference between the value of collateral and the size of a consumer loan
a way to measure the likely amount of provisions for possible losses
the process of providing people with money or goods that meet their consumer needs, followed by repayment of the debt
It is not true that ... refers to credit sanctions for the borrower's early payment of interest payments by a credit institution
transfer to a special lending regime
early collection of a loan in case of use of funds for other purposes than for their intended purpose termination of lending
Investment lending is...
Additional Information
organization of placement of bond issuesrevolving credit line with a free or established loan withdrawal schedule
lending to major bank shareholders
The borrower's credit dossier is formed after...
signing a loan agreement
positive opinion of the credit committee
positive conclusion of the department that assessed the creditworthiness of the loan application approval
issuing a loan
Portfolio credit risks include risks...
arising when two or more loans are combined into an object called a portfolio, the risk of which is equal to the sum of the risks of its constituent loans
arising when two or more loans are combined into an object called a portfolio, the risk of which is not equal to the sum of the risks of its constituent loans
associated with variability in the level of creditworthiness of individual borrowers, arising in response to variations in economic and social factors influencing it
conditioned by the distribution of the bank’s assets across the regions of its presence
A set of measures aimed at reducing the likelihood of a credit risk occurring is...
setting limits on credit risks risk management
risk hedging risk prevention
It is not true that the tools used to reduce the credit risk of a particular borrower include...
diversification
a way to improve the bank's information support about the borrower's activities a way to increase the degree of readiness of the borrower to fulfill obligations to the bank creating reserves
To manage the quality of the loan portfolio from the point of view of credit risk, ...
coefficients of efficiency of use of resources attracted by the bank; indicators of profitability of the loan portfolio
indicators of the adequacy of the reserve to cover possible losses of the bank, stability coefficients of the balances of funds attracted by the bank
A syndicated loan is a loan issued...
for export-import financing by a group of banks to one borrower
one bank to a group of borrowers to a borrower related to the bank
A reduction in credit risk for a borrower - a legal entity is evidenced by...
decrease in turnover on bank accounts; profitability of the client for the bank; increase in the market value of the collateral
When regulating the amount of the created reserve for possible loan losses in the case when the borrower has been granted loans under several loan agreements, all debt attributed to this borrower according to the Regulation of the Central Bank of the Russian Federation No. 254-P should be attributed to ...
the maximum risk group assigned for one of the granted loans; the minimum risk group assigned for one of the granted loans to the credit risk group determined by the audit organization in the process of analyzing the quality of the bank’s assets
Credit risk standards are established in...
Instruction of the Bank of Russia No. 1379-U Regulation of the Bank of Russia No. 54-P Regulation of the Bank of Russia No. 342-P Instruction of the Bank of Russia No. 110-I
Increasing the level of information provision of the bank about the status and development prospects of the borrower is realized by...
continuous monitoring of the quality of the bank's loan portfolio
The pledged property for the period of the mortgage remains, as a rule,...
from a third party
from the pledgor
from the mortgagee
Bank guarantees and guarantees...
are not a form of loan security
are a form of loan security
are a form of loan security in exceptional cases
are a form of loan security only in relation to lending to individuals
A motivated judgment about the level of risk is determined by the credit institution ... Answer type: Multiple choice
based on the requirements of the Bank of Russia based on Regulation 254-P
independently on the basis of the requirements determined by the Credit Committee of the bank independently on the basis of the Regulation of the Central Bank of the Russian Federation No. 232-P
independently based on the Instruction of the Central Bank of the Russian Federation No. 110-I
organizing relations between the creditor bank and the borrower enterprise on the basis of a sustainable partnership
specialization ba