TRƯỜNG ĐẠI HỌC NGÂN HÀNG TP.

HỒ CHÍ MINH
KHOA: NGÂN HÀNG
ĐỀ THI KẾT THÚC HỌC PHẦN
Tên học phần: Banking Operations Hệ: Chất lượng cao
Thời hạn nộp bài: Theo quy định

NỘI DUNG YÊU CẦU:

Question 1: (2.5 marks)

Analyzing the key trends reshaping banking and financial services today?
Question 2: (3.5 marks)

Mr. H has a demand deposit with transactions as following at ABC:

 Opening balance at the first quarter: 10,000,000 VND.
 Demand deposit interest rate: 2%/year
Unit:VND
Date Credit Debit
10-Jul-2020 2,000,000
12-Jul-2020 2,500,000
20-Jul-2020 3,000,000
14-Aug-2020 2,650,000
19-Aug-2020 12,000,000
3-Sep-2020 10,000,000
14-Sep-2020 4,000,000
28-Sep-2020 12,500,000
Request:
Calculate the balance of demand deposit at the end of the third quarter of this client.
Note: The bank adds the interest of demand deposit at the end each month.

Question 3: (4.0 marks)

• A small enterprise plans to purchase a new truck to expand its business.

• The following information is given:

• The truck is a Hyundai HD65, brand new 100%, the market price is 850 million
VND (this selling price included all relevant taxes and fees) and this information is
provided by the Truong Hai’s Distributor in HCMC. The new truck will be used in
business to generate revenue right after the company receives it from the seller.
 • The enterprise is operating two identical trucks (same as the one that intends to buy)
in business. These two trucks are operating in optimal capacity, each truck generates
70 million VND per month averagely.

• The enterprise has accumulated 300 million VND and it plans to apply for an
installment loans to borrow the remaining money to buy the new truck. The
enterprise proposes to 24 months borrowing period and it repays equal amount of
principal in each quarter. Interest is calculating on opening debt balance of each
payment quarter.

• The lending interest rate is 3% per quarter.

• The collateral will be the new truck.

Each truck of the enterprise needs a monthly maintenance service that costs 5 million VND
and a quarterly maintenance service that costs 10 million per quarter. Each truck needs a
driver that receives 8 million VND as monthly salary. In addition, the company applies the
straight-line depreciation method for all trucks and depreciation period is 5 years. Finally,
the monthly marketing and administrative costs of the company is 35 million VND.

Request:
a. What are the required documents that the enterprise need to submits to certify
its legal entity, loan purpose, collaterals and repayment capability?

b. Let assume some more costs that lacked from the given information and list
all the costs of the enterprise. Accordingly, evaluate that this client is
affordable the repayment.

CÁC QUY ĐỊNH VỀ TRÌNH BÀY, NỘP BÀI:

- Tổng số trang của bài luận: tối đa 8 trang, không tính các trang ghi nội dung yêu cầu
của bài luận.
- Bài luận phải được trình bày bằng ngôn ngữ tiếng anh, đánh máy, không được viết
tay.
- Cỡ chữ: 13, Font chữ Times New Roman, giãn dòng 1,5 lines.
- Căn lề: Trái 3cm, phải 2cm, trên 2cm, dưới 2cm.
- Bài luận được nộp dưới dạng file PDF và chỉ được nộp 1 lần theo thời gian quy định
tại địa chỉ lớp học phẩn trên hệ thống LMS.
- Bài luận được đánh giá với các tiêu chí sau:

+ Hình thức: 10%

+ Văn phạm, văn phong: 10%

+ Nội dung và phát triển ý tưởng: 80%

-------------------------Hết---------------------------