HĐKDNH ÔN CUỐI KÌ

MID-TERM L09-L12 THẦY TUẤN
1. What kind of risk refers to the risk that a bank will have to sell its assets at a loss to meet its
cash demands? (rủi ro ngân hàng sẽ phải bán lỗ tài sản của mình để đáp ứng nhu cầu tiền mặt)
A. Liquidity risk (Rủi ro thanh khoản)
B. Operation risk
C. Credit risk
D. Market risk
2. XYZ bank’s loan portfolio includes 30% short-term loan, 20% medium-term loan and 50%
long-term loan. It is the loan classification by: (phân loại khoản vay)
A. Loan purpose
B. Maturity date (ngày đáo hạn)
C. Economic entity
D. Quality of loan
3a. Which of the following transactions do not affect interest income of commercial banks?
A. The bank collected $1 million in interest payments from loans of Intel Composition Group that it
made earlier this year.
B. Bank received $10 as coupon payment of government bond that bank is holding.
C. The bank recorded $15 as the amount of overdraft interest on the deposit account of its
customers.
D. Jones’s checking account is charged $10 monthly for SMS service
3b. Which of following transactions do not affect interest income of commercial bank?
A. Bank gains $25 from security investment by price difference.
B. Bank received $10 as coupon payment of gorvement bond that bank is holding.
C. The bank recorded $15 as as the amount of overdraft interest on the deposit account of its
customers.
D. The bank collected $1 million in interest payments from business loans
4. Which investment instruments reach maturity within one year and are noted for their low
risk and ready marketability?
A. Back-end load maturity policy
B. Front-end load maturity policy
C. Capital market investment
D. Money market investment
5. Which insurance product protects the owner from the risk of injury to people and damage
to vehicles or other property in the event of an accident?
A. Disability insurance
B. Auto insurance
C. Credit insurance
D. Life insurance
6. An …. is a loan for which the amount of the payments, the rate of interest, and the number
of payments are fixed.
A. Education loan
B. Installment loan
C. Open-end loan
D. Unsecured loan
7. An agreement where one party agrees to sell T-bills to another party and at the same time
agrees to buy them back at a set price is known as:
A. Federal Funds
B. Commercial paper
C. Repurchase agreement
D. None of the above
8. …… are payable on demand whenever depositor chooses.
A. Demand deposit
B. Time deposit
C. Mobile banking
D. Online banking
9. Andy open the saving account with 10 million VND at XYZ bank within 6 months for an
APR 6.7%/year. At the maturity, he receives 10.3378 million VND totally. Which payment
method does the bank apply in this case?
A. Pay once at maturity
B. Pay once at the beginning of the period
C. Periodically pay with monthly compounding interest
D. Periodically pay with quarterly compounding interest
10. Specific property that secures the loan is called…..
A. Collateral
B. Loan term
C. Interest rate
D. Liquidity
11. A bank is a … for safeguarding, transferring, exchanging, or lending of money.
A. Credit union
B. Financial intermediary
C. Finance company
D. Central bank
12. …. are certificates issued by banks that guarantee the payment of a fixed interest rate
until maturity date, which is a specified date in the future.
A. Certificates of deposit
B. Certificate of incorporation
C. Installment loan
D. Bank account
13. Which of following statement is NOT CORRECT about banking operation?
A. Bank’s assets include cash, loan, fixed asset and deposit from customers.
B. Banks that sell deposits and make loans to individuals, households and small businesses are
known as retail banks
C. The role performed by banks in the economy in which they transform savings into credit is
known as the intermediation role.
D. Core operations of commercial bank are receiving deposits, credit extension and providing
payment services via accounts
14. An individual account, sometimes called…………., is owned by one person.
A. Joint account
B. Single account
C. Checking account
D. Check 21
15. What three factors in modern banking have changed the industry?
A. Technology, competition, criminal
B. Competition, criminal, mergers
C. Mergers, technology, competition
D. Mergers, criminal, technology
16. Dan Cross, a loan officer at First State Bank of Durant, has been busy visiting local
businesses to see if any of them needs credit. Which step in the lending process is Dan
performing?
A. Finding prospective customers
B. Making a site visit and evaluating a customer’s credit history
C. Evaluating a prospective customer’s financial condition
D. Assessing possible collateral and signing the loan agreement
17. People who put money into banks are called….
A. Spread
B. Niche market
C. Bank staff
D. Depositors
18. Deposit accounts fall generally into one of two categories: ………….and……………
A. Transaction accounts and time accounts
B. Transaction accounts and time deposits
C. Transaction accounts and time account
D. Transaction deposit and time deposits
19. Which financial institution is not a depository intermediary?
A. Insurance company
B. Credit union
C. Commercial bank
D. Mutual savings bank
20. Which are the principal roles of a bank's investment portfolio played in banking
operations?
A. Income stability
B. Offset credit risk
C. Backup liquidity
D. All of the above
21. Drew Davis goes to the commercial bank to ask for help in developing a financial plan and
making investment decisions. Which of the more recent services banks offer is Drew taking
advantage of?
A. Getting service of dealing in securities
B. Getting a consumer loan
C. Getting financial advice
D. Getting trust services
22. Which financial institution is not a depository intermediary?
A. Insurance company
B. Commercial bank
C. Mutual savings bank
D. Credit union
23. Letter of credit is a type of …
A. On-balance sheet activities
B. Off-balance sheet activities
C. Consumer lending
D. Loan porfolio
24. What type of risk would a bank face in case that a borrower could not repay a loan with
interest as scheduled?
A. Market risk
B. Liquidity risk
C. Insolvency risk
D. Credit risk
25. If you borrow $1000 for a year with a loan fee of $10 and interest totaling $100, your total
payment will be:
A. $10
B. $100
C. $1,000
D. $1,110
26. Which investment instruments reach maturity within one year and are noted for their low
risk and ready marketability?
A. Capital market investment
B. Money market investment
C. Back-end load maturity policy
D. Front-end load maturity policy
27. Which insurance product protects the owner from the risk of injury to people and damage
to vehicles or other property in the event of an accident?
A. Credit insurance
B. Life insurance
C. Disability insurance
D. Auto insurance
28. Which statement is not true about trust services?
A. A trust is an arrangement by which one party holds property on behalf of another party for
certain defined purposes.
B. A trust is the person who creates a trust.
C. A trust is the person for whose benefit the property is held
D. All of above are incorrect.
29. An agreement where one party agrees to sell T-bills to another party and at the same time
agrees to buy them back at a set price is known as:
A. Repurchase agreement
B. Commercial paper
C. Federal Funds
30. A commercial bank is a highly financial leveraged business. This means:
A. The value of total assets on the balance sheet of commercial banks is very high
B. Total liability is much higher than the total equity capital of commercial bank
C. The level of legal capital to establish a commercial bank is very high
D. Banks' profits mainly come from lending activities to many entities in the economy.
31. Which of following statement is not a purpose of bank regulation?
A. Guarantee minimum profitability of the banking system
B. Ensure safety and soundness of banks
C. Provide monetary stability
D. Protect consumers from abuses by banks
32. During the loan review process, if the customer is incapable of paying off loan principal
and/or interest in full within the agreed loan term, and is rated by the credit institution as
having capacity for fully repaying those, credit institution's agreeing to change the agreed
loan term from 10 years to 15 years. It's so called:
A. Adjustment to a repayment period
B. Delinquent debt
C. Extension of a loan term
D. Early repayment
33. A bank’s____________________ gives loan officers specific guidelines in making loan
decisions and in shaping the overall loan portfolio.
A. Lending process
B. Loan review
C. Written loan policy
D. Loan classification
34. Loans providing credit to finance the purchase of automobiles, appliances, retail goods
and services are classified under the category:
A. Real estate loans
B. Agricultural loans
C. Commercial and industrial loans
D. Consumer Loans to individuals
35. Which is the most common form of a transaction deposit account?
A. Checking account
B. Saving account
C. Bank account
D. Gmail account
36. A Fed Funds loan that is an unwritten agreement negotiated via wire or telephone with the
borrowed funds returned the next day is known as:
A. An overnight loan
B. A continuing contract
C. A term loan
37. Antony/ Anthony opens saving account of $1000 for 1 year and receives upfront interest of
$100. Which two accounts on the bank's financial statement are going to be affected?
A. Deposit and non-interest income
B. Deposit and interest income
C. Deposit and interest expense0
D. Deposit and non-interest expense
38. The______________ lists the uses and the sources of funds held by the bank on a given
date.
A. Report of Income
B. Report of Condition
C. Report of Cash flow
D. Notes to financial statement
39. The bank places its $1,000 as the reserve requirement ratio into a demand account at State
Bank. Which items on a bank’s Balance sheet would be affected?
A. Miscellaneous asset
B. Cash asset
C. Loans
D. Equity capital
40. __________________________ is an alternative to lending in which the financial
institution purchases the equipment and rents it to its customers.
A. Long-term Loan
B. Trust service
C. Financial advice
D. Financial leasing service
41. Which factors affecting choice of investment securities?
A. Tax exposure
B. Call risk
C. Inflation risk
D. All of the above are true
42. Which kind of trust service is established by a will (di chúc) and takes effect at the donor’s
death?
A. Testamentary trusts (uỷ thác theo di chúc)
B. Trustors
C. Charitable remainder trusts
D. Living trusts
43. For many years, banks have used ….. to evaluate the potential creditworthiness of
loanapplicants.
A. Modern portfolio theory
B. Credit-scoring systems (hệ thống đánh giá điểm tín dụng)
C. Predatory lending
D. Bank products
44. Find the compound interest (Tìm tiền lãi) on $1000 at the rate of 8% per year for one and
a-haft years (1 năm rưỡi) when interest is compounded half yearly?
A. $124.86
B. $120.00
C. $127.04
D. $1124.86
(F= P*(1+(r/n))^n.t = 1000*(1+(8%/2))^2*1.5= 1124.86
Lãi= F - P = 1124.86 - 1000 = 124.86)
ẢNH CỦA KHƯƠNG

1. When banks refuse to provide a loan, or when they lend less than the customer requested, they
are engaging in credit rationing.
2. HANA bank's loan portfolio includes 30% short-term loan, 20% medium-term loan and 50%
long-term loan. It is the loan classification by maturity dates.
3. Which of the following transactions do not affect interest income of a commercial bank? Viet's
checking account is charged 22.000 VND monthly for Internet Banking service.
4. An agreement where one party agrees to sell T-bills to another party and at the same time agrees
to buy them back at a set price is known as: Repurchase agreement
5. Hai An opened a savings account with 10 million VND at JSK bank within 6 months for an APR
6.7%/year. At maturity, he receives 10.3378 million VND totally. Which payment method does the
bank apply in this case? Periodically pay with quarterly compounding interest.
6. Which of the following statements is not true about banking operations? Bank's assets include
cash, loan, fixed asset and deposit from customers.
7. Michael, a loan officer at First Bank, has been busy visiting local businesses to see if any of them
needs credit. Which step in the lending process is Michael performing? Finding prospective
customers.
8. Which are the principal roles of a bank's investment portfolio played in banking operation?
Income stability, Backup liquidity, Offset credit risk.
9. Taylor goes to the commercial bank to ask for help in developing a financial plan and making
investment decisions. Which of the more recent services banks offer is Taylor taking advantage of?
Getting financial advice.
10. Which insurance product protects the owner from the risk of injury to people and damage to
vehicles or other property in the event of an accident? Auto insurance.
11. Loans providing credit to finance the purchase of automobiles, appliances, retail goods and
services are classified under the category: Consumer loans to individuals.
13. The Report of Condition lists the uses and the sources of funds held by the bank on a given
date.
14. A commercial bank is a highly financially leveraged business. This means: Total liability is
much higher than the total equity capital of a commercial bank.
15. During the loan review process, if the customer is incapable of paying off loan principal and or
interest in full within the agreed loan term, and is rated by the credit institution as having capacity
for fully repaying those, credit institutions agree to change the agreed loan term from 2 years to 3
years. It's called: Extension of a loan term.
17. Which kind of trusts are established by a will and take effect at the donor's death?
Testamentary trusts
18. Which investment instruments reach maturity within 1 year are noted for their low risk and
ready marketability? Money market investment.
19. Adverse selection is the concept that borrowers who are most willing to accept the same
borrowers who are most likely to default on their loans.
20. Underwriting is reviewing a loan for soundness.
21. Banks may sometimes grant a loan to an applicant who doesn't meet certain conditions, or offer
a loan at Subprime rates.
22. An acceleration clause brings the entire loan due if payments are due and what penalties are
assessed if payments are not made on time.
23. A grace period is an amount of time borrowers have to pay their bills in full and avoid any
finance charges.
24. For many years, banks have used Credit scoring systems to evaluate the potential
creditworthiness of loan applicants.
25. What is a yield curve? A yield curve is a picture of how market interest rates differ cross
loans and securities of varying term or time to maturity
26. Find the compound interest on $1000 at the rate of 10% per year for one interest compounded
half yearly? $102.5
27. A bank places its $10,000 as the reserve requirement ratio into a demand account at State Bank.
Which items of the bank's Balance sheet year when would be affected? Cash asset
28. If you borrow $5000 for a year with a loan fee of $10 and interest totaling $500, your total
payment will be: $5510
Đề mới
1.The First State Bank of Duncan buys railroad cars and rents them to the Santa Fe Railroad
Company.What typeof credit service has this bank made?
A. Financial leasing service
B. Loan to an individual
C. Financial institution loan
D. Commercial and industrial loan
2. You borrowed $10.000 for a year with a loan fee of $100 and interest totaling $900. Your
finance charge will be:
A. $100
B. $800
C. $1000
D. $10.900
3.The…………. the uses and the sources of funds held by the bank on a given date.
A. Report of Condition
B. Report of Income
C. Report of Cash flow
D.Notes to financial statement
5...................is financial institution's bad-debt reserve, as reported on its balance sheet.

Correspondingly, an expense item on a bank's Report of Income designed to shelter a bank's
current earning from taxes and helpprepare for bad loan is called........
A. Provision for possible loan losses/Allowance loan loss
B. Allowance loan loss /Provision for possible loan losses
C. Reserve Requirements/Provision for possible loan losses
D.Allowance loan loss/Net non-interest expense
6. The most common sources that lenders look to for repayment of business loans include all
of the following except:
A. The borrower's cash flow
B. Assets pledged as collateral
C. Relatives of the borrower
D.The borrowers net worth
7................refers to the delivery of services by a bank to individual consumers rather than to

companies other banks.
A. Minority bank
B. Commercial bank
C Retail bank
D.Saving bank
8. In Vietnamese banking system, …….. is established by the Goverment and operate not for
profit to implemment the socio-economic policies
A. Represertative Offices of Foreign Bank
B. State-owned Commercial BBank
D. Policy bank
9.A bank's……………gives loan officers specife guidelmes in making individual loan decisions
and in shaping the overall loan portfolio.
A Loan Application
B Written loan policy
C. Financial statement
D.Loan Commitment Agreement
10. Which of the following NOT accurately describes the banks non-interest income?
A. Fees tor transactions deposit
B. Fees for valuation of mortgagpe assets
C. Fees for issuing limated-life preferred stock
D. Fees for issuing guarantee letter
13. How much interest will be earned in the third year if $20,000 is deposited in three years
with APR at 6.9% an interest compounded annually?
A $1,577.01
C.$4,432.23
B.$2,855.22
D $7,287.45
14. A loan to a local business to purchase a new machine would be categorized as:
A Consumer loans
C. Agriculture loans
B. Credit card loans
D. Industrial loans
15. The difference between noninterest income and noninterest expenses on a bank's Report
of Income is called:
A. Net Interest Income
B. Net Non Interest Income (thu nhập ròng ngoài lãi)
C. Net Income Afer Tax
D. Net Income Before Taxes
16. A bank has a prime rate of 6% for its best customers. It has determined that the default
risk premium for a particular customer is 0.4% and the profit margin for this loan is 0.25 %.
If this customer wants to borrow $5million from the bank, how much in interest will this
customer pay in one year?
A. $300,000
B. $320,000
C. $332,500
D. $665,000
(Total Interest Rate = Prime Rate + Default Risk Premium + Profit Margin
Total Interest Rate = 6% + 0.4% + 0.25% = 6.65%
Interest = 5M * Interest Rate = 5M * 6.65% = 332,500)
17. Which of following statement is NOT correct about non-deposit borrowings of the bank?
A. One of the factors to consider when a bank chooses among nondeposit funding sources is the
relative cost of cach sources
B. Nondeposit borrowings provides the additional liquidity that cash assets and securities cannot
provide to commercial bank
C. Bank agrees to sell T-bills to another party and at the same time agrees to buy them back at a set
price is known as a repurchase agreement
D.There are no restrictions on getting fund from any source of non-deposit borrowings
18. Banks ase regulated for which of the reasons listed below?
A. Banks provide businesses and individuals with loans that support consumption and investment
spending
B. Banks are Ieading repositories of the public's savings
C. Banks have the power to create money.
D. All of the above
19. Jerry LeGere, a loan officer with First National Bank, checks to see if the house pledged to
hack up a home mortgage has a clear title and proper insurance. What step in the lending
process is Jery performing?
A Finding prospective customers
B. Making a site visit and evaluating a customer's credit history
C. Evaluating a prospective customer's financial condition
D. Assessing possible collateral
20. Many students cannot afford university their tuition fees. Which type of the following
loans can help them?
A Business loans C. Commercial loans
B. Student loans D. Industrial loans
21. If you deposit $1.000 into a certificate of deposit that quotes you a 5.5% APY, how much
will you have at the end of l year?
A. $1,050.00
B.$1,055.00
C. $1,550.00
D. $1,005.50
22. An account at a bank that carries a fixed maturity date with a fixed interest rate and
which often carries a penalty for early withdrawal of money is called.
A. Overdraft deposit account
B. Transaction account
C. Savings account
23. Bank liability falls into each of the following categories except:
A. Transaction deposit
B. Time deposit
C.Long-term borrowings at other banks
D. The loan and lease loss allowance
24.................is a banking service that allows account holders to withdraw more money than
they have in their account, up to a certain limit set by the bank.
A. A short-tem loans to individuals
B. Financial leasing
C. Savings deposit
D. An overdraft account
25. Assume that a bank reccives $18,000 as one-year-saving deposit from a customer and
lends it all to another customer for a year, excluding legal reserve requirements at 5% on
deposit. The bank pays a straight 4% APY to the depositor and charges 10% per year to the
borrowers. Calculate the spread of the bank (tính mức chênh lệch) for one year.
A.$1,080.00
B.$990.00
C. $900.00
D.$1,710.00
(18000$ * (10%-4%)= 1080$)
26. Centificate of Deposit (CDs) is different from other types of non-transaction deposit in
terms of.
A. Minimum deposit amount

B. Negotiable instrurment
C. Early withdrawal limitation
D. All of the above
27. Loans extended to finance the purchase of automobiles, mobile homes, home appliances,
and vacations are classified as:
A. Agricultural loans
B. Commercial and industrial loans
C. Real estate loans
28. In Vietnamese banking system, ……………. is may conduct one or some banking
operations under the law of credit institutions, except taking deposits of individuals and
providing services of payment via client accounts.
A. Banks
B. Non-Bank Credit Institutions
C. Micro Financial Institutions
D. People's credit fund
29. A Fed Funds loan that is an unwritten agreement negotiated via wire or telephone with the
borrowed funds returned the next month is known as:
A. An overnight loan
B. A term loan
C. A continuing contract
30. The role performed by banks in the economy in which they transform savings into credit
is known as the ………………
A. The intermediation role (vai trò trung gian)
B. The consulting role
C.The payment role
D.The guarantor role
31. How much will be in saving account of $7,000 after one-and-a-haft years. Know that the
interest rate is 7.3%per year and compounded haft yearly?
A.$7,794.82
B.$7,523.53
C.$523.53
D.$794.82
32. A bank that has total interest income of $67 million and total noninterest income of $14
million. Its provision (dự phòng) for loan losses is $6 million, total interest expenses of $35
million and total noninterest expenses (excluding PLL) of $28 million. This bank's taxes are
$5 million. What is this bank's net income after tax?
A. -$14
B. S18
C. $7 (tổng xanh trừ tổng hồng)
D. $32
34. A credit agreement in which a business customer may borrow up to a pre-specified limit,
repay all or a portion of the borrowing, and reborrow as necessary until the eredit line
matures is known as a (an):
A. Revolving line of credit
B. Non-Revoling loan
C. Lum-sump loan
D. Syndicated loan
35. Which statement is not true about banking operation?
A. One of the principal reasons for government regulation of financial firms is to protect the safety
and soundness of the financial system.
B. Banks are those financial institutions that today offer the widest range of financial services of
any business firm in the economy.
C. The role performed by banks in the economy in which they transform savings into credit is
known as the intermediation role.
D. Money-center banks usually serve local communities, towns, and cities, offering a narrow
menu of services to the public.
(Money-center banks: Ngân hàng trung tâm tiền tệ, có quy mô lớn, tầm cở quốc tế, không
phải ở địa phương)
36. Along with Eurodollar borrowings, Fed funds purchased is an example of………..
A. Security Holdingsk
B. Nondeposit borrowings
C. Deposit
D. Equity capital
37. Banks generate their largest portion of income from:
A. Short-term investment.
B. Demand deposits.
C. Loans.
D. Certificates of deposit.
Big question: A bank that has the following Information (in billion)
Deposits at the Federal Reserve S10
Non-deposit Borrowings $140
Allowance for Loan Losses $40
Contingency Reserve $10
Total Assets $600
Common Stock Par S20
Miscellaneous Assets S30
Time deposit at other Banks $150
Cash in vault $5
Capital Surplus $5
Deposits S400
38. What is this bank's primary reserve? (Dự trữ chính của ngân hàng)
A. $10 B. $15
C. $25 D.$165
39. What is this bank's Net Loan?
A. $195 B. $365
C. $405 D. $445
40. What is this bank's Retained carnings?
A. $15 B. $25
C. $50 D. $95
***************
MID-TERM đề 1 CÔ TRANG
1. Based on the operation of commercial banks as prescribed by the Law on Credit
Institutions, which types of operations can be divided into?
a) Assets and liabilities transactions
b) On-balance sheet and off-balance sheet transactions
c) Banking and Non-Banking Operations
d) Capital mobilization, credit, payment services and other banking operations
2. Basically, what types of deposit accounts can commercial banks raise capital through?
a) Term deposits and demand deposits
b) Demand deposits and Savings deposits
c) VND deposits and foreign currency deposits
d) All above
3. Which of the following transactions is not a credit relationship?
a) Mr. X buys accident insurance from Bao Viet company and ACB sells shares to Mr. X.
b) Company A sells products on credit to company B and company C, company A advances the
purchase money to company C.
c) The relationship between gambling players and the relationship between shopkeepers and
customers in pawn services.
d) The relationship between Mr. T and REE company when he bought 200 dong of bonds of REE
company and the relationship between Mr. Y and the stock when he bought 100 million dong of
state treasury bonds.
4. In what ways are credit activities different from lending activities?
a) Lending is just one form of credit
b) Lending requires collateral while granting credit does not require collateral
c) Lending with collection of debt and interest while granting credit without collection and interest
d) Lending is the activity of banks while granting credit is the activity of credit institutions.
The following data is for questions 5 to 8
Customer A owns a 12-month term savings book. The initial deposit amount is 50 million
VND. Maturity date is May 1, 2023. Assumed that throughout the deposit process, customers
receive interest on time.
Term Deposit (%/month) Withdraw principal part by part (%/year)
Non-term 0.2
3-month 0.5 6
9-month 0.55 6.5

12-month 0.72 7
5. The amount customers receive on August 1, 2024 if periodic interest payments months is:
a) 500 million VND
b) 503 million VND
c) 504.5 million VND
d) A, b and c are wrong 1800 500.0%
6. The amount customers receive on August 1, 2024 if pay interest at maturity is:
a) 500 million VND
b) 503 million VND
d) A, b and c are wrong 360
7. The amount customers receive on August 1, 2024 if Withdraw 1/2 principal on February 1,
2023 and pay interest at maturity is:
a) 500 million VND
b) 504.5 million VND
d) a, b and c are wrong.
8. The amount customers receive on August 1, 2024 if prepaid interest is:
a) 500 million VND
b) 504.5 million VND
c) 461.3million VND
d) 459.8 million VND
9, Why besides reviewing credit records, credit officers need to conduct customer interviews
to decide whether to lend money to customers?
a) Because the client never submits a complete application
b) Because the interview helps the credit officer check if the customer has past due debt to add to
the credit file
c) Because customer interviews help credit officers check the authenticity and gather other
necessary information.
d) Because customer interviews help credit officers know if customers have collateral or not
10. Which of the following statements is most accurate about credit guarantees?
a) Credit guarantee means the application of measures by a credit institution to prevent risks,
create an economic and legal basis for the recovery of debts already lent to customers.
b) Credit guarantee is the act of a financial institution providing a credit guarantee for another
institution.
c) Credit guarantee is the guarantee of a credit institution's ability to repay loans
d) Credit guarantee means guaranteeing the ability to repay loans for credit institutions
11. What does credit guarantee mean for debt recovery?
a) Increase the ability to collect debt for credit institutions
b) Ensuring debt recovery for credit institutions
c) Strengthening the debt collection capacity for credit institutions
d) Improve debt recovery solutions for credit institutions
12. To ensure the ability to recover debts, when considering lending, what forms of credit
security can banks use?
a) Secured by collateral, secured by mortgaged property, secured by assets formed from loan
capital, and secured in the form of a third-party guarantee
b) Secured by tangible assets such as factories, machinery and equipment, etc. and intangible assets
such as brand, corporate advantage, reputation of the director
c) Secured by a loan from another bank
d) Secured by the value of residential land use rights and arable land
13. What are the main differences in operation between commercial banks and non-banking
credit institutions?
a) Commercial banks lend and mobilize capital while non-bank credit institutions lend but do not
mobilize capital
b) Commercial banks are a type of credit institution, so they can only do some banking activities
while non-bank credit institutions do all banking operations.
c) Commercial banks can mobilize capital by deposit accounts while non-bank credit
institutions cannot
d) Commercial banks are allowed to lend while non-bank credit institutions are not
14. Based on business strategy, commercial banks can be divided into which types of banks?
a) State-owned commercial banks, joint-stock commercial banks, joint-venture commercial banks
and branches of foreign commercial banks
b) Wholesale commercial banks, retail commercial banks and commercial banks both
wholesale and retail
c) Private commercial banks and state commercial banks
d) Central commercial banks, provincial commercial banks, district commercial banks and
grassroots commercial banks
15. Which of the following documents in the loan application file shows the borrower's
voluntariness?
a) Business license
b) Loan request form
c) Certificates of land use rights
d) Contract for the purchase of raw materials
16. In credit operations, the price of a credit depends on
a) How to calculate and collect interest of the bank
b) Bank fees apply when lending
c) Bank loan interest rates announced
d) Both the a, b, c are correct
17. Which of the following situations refers to liquidity risk in commercial banks' operations?
a) Banks make loans in foreign currencies, until the debt collection date, the foreign currency rate
will decrease.
b) Borrowers are unable to repay the principal on the due date
c) The maturity of the liability is greater than the maturity of the asset
d) Borrowers request to disburse under the contract but the bank has no money to disburse
18. What is the requirement for enterprises to provide financial statements in their loan
documents?
a) Assess the financial position of the business
b) Assess the legality of enterprises
c) Evaluating the effectiveness of the loan plan
d) Assess the reputation of enterprises in transactions
19 . Which of the following stages is responsible for loan management, review and rating?
a) Credit analysis
b) Credit decision
c) Credit monitoring
d) Disbursement
The following data is for questions 20 to 24
In May 2023, company A had the following transactions arising on its current account:
May 5, 2023: Cash sales: 100 million (+)
May 6, 2023: Established order to pay debt: 110 million (-)
May 13, 20232: Submit sales check: 90 million (+)
May 22, 2023 Commercial paper discount: 60 million (+)
May 24, 2023: Tax payment: 20 million
May 26, 2023: Pay salary: 100 million
Knowing that at the end of April 2023, the outstanding balance was 50 million. (-)
20. The balance at the end of the May 13, 2023 is:
a) Outstanding balance 30 million
b) Account balance 30 million
c) Outstanding balance 90 million
d) Account balance 90 million
b) Account balance 30 million debt 110 out 60
d) Account balance 90 million
(b) Account balance 30 million
d) All above are wrong
23. The current account balance limit in May 2023 of company A is
a) 30 million
b) 60 million
c) 90 million
d) 120 million
24. Assuming that on May 27, 2023, company A pays a debt worth 50 million, company A's
current account limit in May 2023 is:
a) 100 million
b) 90 million
c) 80 million
d) 50 million
25. Credit is a transaction for which the conditions for formation are?
a) Borrowers must have collateral
b) Borrowers must have credit
c) Borrower must have acquaintance
d) All of the above are true
26. Which of the following loan and customer evaluation methods is a qualitative method?
a) Method of artificial nervous system
b) Judgment method
c) Credit score method
d) All of the above are correct
27. Which statement is true about installment credit?
a) In installment credit, the customer only pays the principal in parts.
b) In installment credit, customers only pay interest in parts.
c) In installment credit, customers pay principal and interest, or principal, or interest in
parts. d) All of the above sentences are incorrect.
28. What content is mentioned in the bank's credit process?
a) Steps from document preparation to liquidation of the credit contract
b) Credit granting field
c) Both of the above are correct
d) Both of the above ideas are wrong
29. What will the bank do if a customer presents a check that is valid for 7 months from the
date of drawing?
a) Agree to make partial payment
b) Refuse to make partial payment
c) Refuse to pay
d) Both a and b
30. What is the form of mortgage of property?
a) The borrower hands over the ownership papers of the property to the lender and loses the right to
dispose
b) The borrower hands over the ownership papers of the property and hands over the property to the
lender.
c)The borrower hands over the ownership papers of the property to the lender and temporarily loses
the right to use it
d) The borrower hands over the ownership papers of the property to the lender and
temporarily loses the right to dispose
31. The transfer of an amount of money into an escrow account at a bank to secure a loan
repayment obligation is called a form of security?
a) Pledge
b) Mortgage
c) Escrow
d) Make a bet
32. When analyzing the repayment ability of customers, which factor will commercial banks
consider as the first source of repayment?
a) All assets owned by the borrower
b) Value of secured property
c) Borrower's reputation
d) Cash flow from loan option
33. The term "Unsecured" in bank credit is understood as a form of credit granting based on?
a) The creditworthiness of the borrower, economic efficiency and the borrower's ability to repay.
b) Prestige of political and social organizations at grassroots level to ensure poor individuals and
households.
c) Reputation, third-party assets stand out to guarantee the borrower.
d) All right
34. Which of the following types of collateral is the safest for the bank?
a) Stocks, bonds
b) House in the commercial center of the city
c) Guarantees of any third party , including banks
d) Savings number issued by the lending bank itself
35. Which non-cash payment method is suitable for exporter A who wants to claim money
from importer B?
a) Order to pay
b) Documents collection
c) Bank card
d) Check
36. What is not required information on a check?
a) Name of issuing bank
b) Name of drawer ON
c) Date of issue
d) All of the above information is required
37. What are the characteristics of the banking business?
a) Conditional business
B. The bank is always proactive ост
c) The goal is profit
d) High flexibility
38. What is the nature (bản chất) of transaction deposits?
a) not in circulation
b) part of money in circulation
c) small scale
d) large scale
39. What can a non-transactional deposit be?
a) demand deposit
b) term deposit
c) saved money
d) All 3 types above
40. Which is not a factor affecting the source of deposits?
a) Interest rate
b) Bank service quality
c) Promotion
d) Public trust in bank
******************************************
MID-TERM ĐỀ 2 CÔ TRANG
1-4. Giống đề 1.
5. In a systematic way, what types of credit can be presented by commercial banks?
a) Term credit and term credit
b) Secured credit and unsecured credit
c) Bank credit and non-bank credit
d) Refundable credit and non-refundable credit
6. What is the credit process? (cú câu này hok bít)
a) It is the regulations of commercial banks submitted to the SBV
b) It is the sequence of steps to take when considering credit granting to customers regulated by the
state bank for commercial banks.
c) It is the sequence of steps to be taken when considering granting credit to customers, developed
by commercial banks
d) It is the sequence of steps to be taken when considering granting credit to customers, which is
agreed upon by each commercial bank
7. What does the credit granting process mean in credit activities of commercial banks?
a) It doesn't make any sense because without it banks can still borrow
b) Extremely important because without it banks cannot lend
c) Meaningful as a basis for evaluating the bank's performance
d) Meaningful as a basis for determining responsibilities and powers of relevant departments
in credit activities
8. Which of the following statements best reflects the objective of credit analysis before
making a loan decision?
a) Identify and identify situations that can lead to risks for the bank, predict the ability to
control those types of risks, and anticipate measures to prevent and limit possible losses
b) Check the authenticity of the loan documents provided by the customer, thereby knowing the
customer's repayment attitude as a basis for the loan decision.
c) Ensure the ability to recover debt and interest after lending
d) To determine if a customer is eligible for a loan
9. Paper sheet below in the present loan applications of borrowers voluntarily
a) Business license
b) Loan request form
c) Certificates of land use rights
d) Contract to purchase raw materials
10. The labor contract (Hợp đồng lao động) in the credit file of an individual customer reflects
which of the following factors
a) Civil act capacity
b) Ability to repay debt
c) Willingness to repay debt
d) Secured property
11. What types of mistakes often occur in the process of deciding and signing credit
contracts?
a) Loan approval without analysis and appraisal
b) Approved to lend to good customers
c) Refuse to lend to good customers
d) a is false, b and c are true.
12. Can a thorough appraisal of loan documents avoid overdue debt? Why?
a) Yes, if the employee knows how to appraise
b) No, because the customer repays the loan after the appraisal
c) Yes, if NH specifies exactly what documents are included in the application
d) No, because the credit officer is not able to verify all applications
13.What is the direct important factor in lending decisions?
a) Feasibility and effectiveness of the option
b) Loan collateral
c) Legal records
d) Financial situation
14. In a bank credit relationship, who borrows money from the bank?
a) Have a duty to pay the bank debt
b) Pay debt when required by the bank
c) There is a default obligation to repay the bank debt
d) All of the above answers are incorrect
15. Which statement is correct about the credit portfolio risk measurement model?
a) This model helps to build an appropriate organizational model for the entire banking system
b) This model helps banks increase the number of customers using credit cards
c) This model combines many computational techniques, mainly using statistical probability
16. What contents are mentioned in the bank's credit policy?
a) Proportion of credit in total assets of a bank
b) Credit granting field
c) Both of the above are correct
d) Both of the above ideas are wrong
17. Which of the following is not a basic condition for diversification in credit portfolio
structure?
a) The portfolio must include a large number of relatively small amounts of credit
b) The credits on the portfolio must be independent, less dependent on each other
c) Portfolio credits must generate high returns
d) Both a and b
18. Portfolio risk in credit operations refers to what situation?
a) Mistakes in the credit appraisal and decision process
b) Real estate business loans account for 60% of outstanding loans
c) Medium and long-term loans with fixed interest rates in the context of inflation
d) A group of customers with large deposits came to withdraw money before maturity
35. According to the 2010 civil law, the receipt of loan security when the bank only keeps the
ownership papers of the property is called?
a) Form of mortgage of property
b) Form of mortgage of property
c) Not accepted as collateral
d) Form of credit
36. Which of the following types of collateral is the safest for the bank?
a) Stocks, bonds
b) House in the commercial center of the city
c) Guarantees of any third party, including banks
d) Savings number issued by the lending bank itself
37. Which of the following statements is not true about the term division strategy?
a) Banks can get larger profits than ladder strategy
b) Considered an active investment strategy
c) Banks do not need to predict the direction of interest rate movements in the economy
d) The bank may suffer losses if the bank's predictions are inaccurate
38. The construction of an internal ranking system aims to
a) Managing staff in a bank
b) Manage all bank's customers
c) Ensuring network security for electronic banking systems
d) All of the above are incorrect
39. By debt securitization, the risk of default of the loans will be transferred to?
a) Initiating Bank
b) Specialized organization
c) Investors in the stock market
40. "The core banking activities" is the term for?
a) financial intermediation
b) core activities
c) credit extension
d) deposits
ĐỀ LMS-Fintech
1. Which market do banks participate in to buy and sell short-term securities?
a. Currency market.
b. Capital market
c. Forex market
d. Gold market.
2. The service to pay money from customer's account to the address requested by the
customer is:
a. Payment service using tax authorization
b. Payment service using periodic payment authorization
c. Treasury Services
d. Account management services and safes
3. Which of the following is not consistent with deposit management principles ?
a. The bank will provide information about the husband's savings deposit balance when
requested by the wife
b. The bank will not provide information about the husband's savings deposit balance at the
request of the wife (except for the couple who are co-owners).
c. The wife can use her own passbook as security for her husband's loan transaction at the bank.
d. All of the above sentences are correct
4. Banks are classified as financial intermediaries because...
a. Banks act as intermediaries in the markets
b. The main assets of a bank are financial assets
c. The operation of a bank consists of two stages: fund mobilization and fund use
d. Banks do not create their own claims, only transfer claims between the surplus and the
deficit (số tiền thiếu hụt)
5. Which statement most accurately reflects the concept of market risk?
a. Fluctuations (sự biến động) in market price factors adversely (bất lợi) affect the value of assets
of the bank
b. Fluctuations in market price factors adversely affect the value of the bank's assets and liabilities
c. Fluctuations in market price factors adversely affect the value of assets or liabilities of the bank.
d. Fluctuations in market price factors adversely affect the value of assets and liabilities of
the bank.
6. Distinguish (phân biệt) between magnetic (từ tính) and electronic cards in:
a. Origin of the card => debit card, credit card and prepaid card
b. The type of card reader suitable for it
c. Scope of card use
d. Immediate or deferred payment method
7. The minimum capital adequacy ratio (CAR coefficient) is calculated:
a. Own capital / Total assets at risk
b. Own capital/Total assets
c. Equity/Total Assets
d. Equity/Total assets at risk
8. Which of the following statements is not correct?
a. Risks in bank credit are inevitable (không thể tránh khỏi) and cannot be completely eliminated
(loại bỏ)
b. Full repayment of both principal and interest is the essence (bản chất) of bank credit
c. In the credit contract, there is no content that shows the customer's commitment to
unconditionally repay the bank when the debt is due.
d. Transactional assets in bank credit are diverse, which can be in the form of currency, real assets
or signatures.
9. Which items are not included in the “Liabilities” of the bank:
a. Common shares
b. Term Deposit
c. Repurchase agreement (thỏa thuận mua lại)
d. Bonds issued by banks
10. Payment by check will
a. Faster than paying by proxy
b. Slower than paying by ATM
c. All payment methods are the same
d. Not enough grounds (các căn cứ) to conclude the above ideas
11. In Vietnam today, the most influential factor on savings deposits of commercial banks is
a. Financial capacity (khả năng) of commercial banks
b. Service quality of NH
c. Interest rate of capital mobilization of commercial banks
d. Trading network of commercial banks
12. Which of the following statements correctly reflects the theory of portfolio management
by economist Markowitz?
a. Diversification in asset investment will help lower the risk of the whole portfolio than the
risk of the individual asset classes combined.
b. Diversification (đa dạng hóa) in asset investment will make the risk of the whole portfolio
higher than the risk of individual asset classes combined.
c. Specialization (chuyên môn hóa) in asset investments will help lower the risk of the entire
portfolio than the risk of the individual asset classes combined.
d. Specialization in asset investing will make the risk of the whole portfolio higher than the risk of
the individual asset classes combined.
13. Which of the following tools is considered an on-balance sheet tool to help banks reduce
credit portfolio risk?
a. Debt secularization (chứng khoán hóa nợ)
b. Credit Risk Swap (hoán đổi rủi ro tín dụng)
c. Debt trading
d. None of the above tools
14. What is the minimum legal capital required by Basel I (1988)?
a. 5%
b. 6%
c. 7%
d. 8%
15. Which of the following valuable papers can be purchased and sold by commercial banks?
a. Treasury Bills
b. Government bonds
c. Saving
d. a and b
16. Which of the following is not true about Banker's Acceptance?
a. Not transferable
b. For a bank accepting a bill of exchange, agreeing to seal the acceptance is considered a form of
signature credit for the customer who is the issuer.
c. A bill of exchange issued by an enterprise
d. To be stamped “accepted” by the bank on the bill of exchange
17. Which of the following factors does not affect a bank's financial investment activities?
a. The development of financial markets
b. State investment incentives (ưu đãi) and support policies for hi-tech parks
c. Bank's own capital
d. Laws of the State
18. Which of the following services is not part of the treasury service of commercial banks?
a. Currency exchange at the request of the customer
b. Liquidation (thanh lý) of assets according to the will
c. Cash collection at customer's location
d. Transfer money overseas
19. Which of the following statements is not true about derivatives?
a. The birth of derivatives stems from (bắt nguồn từ) the potential risk in contract transactions in
the economy
b. Derivatives are always born before an underlying contract transaction
c. Derivatives are a form of hedging (phòng ngừa) financial risks when performing economic
contracts
d. Using derivatives will help customers prevent and reduce financial risks
20. Which of the following types of contracts does not belong to derivatives?
a. Futures contract
b. Swap contract
c. Credit agreement
d. Option contract
1. In order to improve the capital adequacy ratio (CAR), commercial banks need to take
the following measures:
a. Increase charter capital
b. Reduce risky assets
c. Increase in equity combined with a decrease in risky assets
d. Increase risky assets
2. Which of the following loan and customer evaluation methods is a qualitative (định tính)
method?
a. Method of artificial nervous system
b. Judgment (phán đoán) method
c. Credit score method
d. All of the above are correct
3. When Commercial Bank A uses a ladder strategy (chiến lược bậc thang/ phân tầng) to
invest in securities in the financial market, if the maximum term for the portfolio is 10 years,
the investment amount will be divided into:
a. 5 equal parts
b. 10 equal parts
c. 15 equal parts
d. 20 equal parts
a. Commercial banks are directly engaged (kinh doanh) in insurance business
b. Commercial banks are allowed to contribute capital and buy shares of enterprises operating in the
insurance sector
c. Commercial banks are allowed to establish subsidiaries (công ty con) operating in the field of
collateral management
d. Commercial banks must establish subsidiaries to carry out insurance business activities
5. According to current regulations, a joint-venture commercial bank is a commercial bank

established in the form of a legal entity:
a. Limited company (including 1 member and 2 members or more)
b. Limited Liability Company and Joint Stock Company
c. Limited liability companies with two or more members and Joint stock companies
d. Limited liability company with two or more members
6. How is debt trading done?
a. Participating in a loan
b. Participating in time
c. Transfer
7. An enterprise A in Ho Chi Minh City wants to pay for goods to a supplier in a northern
province with a value of VND 10 billion. Enterprises should use vehicles
a. Travel Secrets
b. Bank card
c. Accreditative (ủy nhiệm)
d. commission
a. The birth of derivatives stems from the potential risk in contract transactions in the economy
b. Derivatives are always born before an underlying contract transaction
c. Derivatives are a form of hedging financial risks when performing economic contracts
d. Using derivatives will help customers prevent and reduce financial risks
9. The trust matrix model (mô hình ma trận tin cậy) is considered a market-based pricing
model because:
a. The model of the machine complies with (phù hợp với) the laws of the market
b. The market price factor does not affect this model
c. This model uses the market probability distribution to determine default risk
d. This model not only determines the default risk event, but also determines the decrease in
the market value of the loan
10. The CAMPARI rule is...
a. Method of evaluating customers through factors: Cash (Cash), capacity (Ability), loan
interest (Margin), loan purpose (Purpose), loan amount (Amount), repayment (Repayment)
and loan guarantee
b. It is a quantitative assessment method
c. Both of these are true
d. Both of the above are wrong
11. Based on the card's technology, the bank's cards include:
a. Magnetic and chip cards
b. Magnetic and credit cards
c. Magnetic cards and ATM cards
d. Chip cards and ATM cards
a. In essence(về bản chất), interest rates are a type of price and are influenced by supply and
demand
b. Basic interest rate is the highest interest rate that banks apply to lend to reputable (uy tín)
customers
c. Base interest rate is the floor of lending interest rate
d. The base rate indicates (cho biết) the minimum income on the bank's loan amount
13. The main uses of payment cards are:
a. Cash withdrawals
b. Pay for goods and services
c. Loan
d. All of the above are true
14. Activities that are not financial investment activities of Vietnamese commercial banks
include:
a. Contribute capital to buy shares of enterprises
b. Buying and holding shares of other credit institutions banks
c. Loans to business customers
d. Invest in the financial market
15. Corporate customers are not allowed to own any of the following deposit types
a. Saved money
b. Deposit payment
c. Term Deposit
d. Certificates of deposit
16. Banks are classified as financial intermediaries because...
a. Banks act as intermediaries in the markets
b. The main assets of a bank are financial assets
c. The operation of a bank consists of two stages: fund mobilization and fund use
d. Banks do not create their own claims, only transfer claims between the surplus and the deficit
17. The Bank purchases investment securities with fixed maturities and holds them to
maturity in order to:
a. Credit risk prevention
b. Hedging foreign exchange risk
c. Increase income from receiving interest at the end of the period
d. Price increases revenue from the difference between buying and selling prices
18. Which of the following services is not part of the treasury services of commercial banks?
a. Currency exchange at the request of the customer
b. Liquidation of assets according to the will
c. Cash collection at customer's location
d. Transfer money overseas
19. Which of the following is not the purpose of securities investment activities for
commercial banks?
a. Provide liquidity to the bank when needed
b. Regulating the stock market
c. Diversify profitable activities
d. Minimize the risk of concentration
20. NHM mainly works by:
a. Equity contributed by shareholders
b. Capital mobilized in the economy, in society
c. Granted budget capital
d. Loans in the interbank market.
1. According to current regulations, domestic commercial banks are established and

organized in the form of:
a. Joint Stock Company or Limited Liability Company
b. State-owned company or 1-member LLC
c. JSC or Private Company
d. JSC or LLC 1 member
2. Choose the wrong sentence
a. Equity capital of commercial banks affects the reputation (uy tín) of the bank, the safety and
reputation of the bank is also an important factor in creating trust for customers, attracting a large
amount of deposits.
b. The strict control of the Central Bank such as interest rates, exchange rate policy, the regulation
of the required reserve ratio indirectly affects the capital mobilization of commercial banks.
c. Loans from other credit institutions and loans from the State Bank usually account for a
large proportion of the total business capital of commercial banks
d. The charter capital (vốn điều lệ) of the bank must be at least equal to the legal capital (vốn pháp
định)
3. Please choose the most correct statement
a. Current deposits usually have higher interest rates than demand deposits
b. Current deposits have less volatile (dễ thay đổi, biến động) balances than demand deposits
c. Paying deposit has a credit balance, it can also have a debit balance
d. Demand savings deposit with outstanding balance
4. According to ......., what types of banks include commercial banks, commercial banks,
cooperative banks?
a. Operational goals
b. Business method
c. Banking
d. Area of operation
5. Disadvantages of one-time payment via SBV
a. Slow payment speed
b. Only applicable to banks in the same system
c. Signature samples must be registered at the lead bank and other member banks
d. High cost of use
6. To hedge against the risk of exchange rate decline at the time of receipt of foreign
currency in the future, the exporter can:
a. Exercising (thực hiện) the right to buy foreign currency today
b. Exercising a foreign currency put option today
c. Sell foreign currency call options today
d. Exercising to sell foreign currency put options today
7. The bank has purchased a number of corporate bonds, in which the repurchase
agreement was agreed upon when issued. The issuer will buy back these bonds when
a. Market interest rates rise
b. Market interest rates fall
c. Market interest rates fall, bond prices increase by the redemption price and reach the
agreed maturity
d. Bank in trouble
8. According to current regulations, which of the following statements is not true?
a. Credit institution is an enterprise that carries out one, several or all banking activities
b. Credit institution is a commercial bank that performs one, several or all banking activities
c. Commercial bank is a type of bank that can carry out all banking activities
d. Bank is a type of credit institution that can carry out banking activities.
9. Which of the following is an on-balance sheet transaction of a bank?

a. Buy corporate bonds
b. Advise
c. Investment Management
d. Insurance
10. Deposits in trust at ... not insured
a. Securities Company
b. NH
c. People's Credit Fund
d. Microfinance institutions
11. In which areas are the subsidiaries (công ty con) of commercial banks allowed to
operate?
a. Secured asset management (quản lý tài sản đảm bảo)
b. Forex trading (kinh doanh ngoại hối)
c. Factoring (bao thanh toán)
d. All of the above statements are correct
12. The mechanism (cơ chế) of action of credit risk swaps is similar to
a. Credit insurance
b. Debt trading form
c. Securitization (chứng khoán hóa)
d. All is incorrect
13. If the bank expects the spot rate in 3 months to be lower than the 3 month forward rate
today, how will the bank speculate on the price?
a. Buy foreign currency for a term of 3 months, at the end of the drought period, it will be sold for
immediate delivery
b. Selling foreign currency for a term of 3 months, at the end of the term will buy for
immediate delivery
c. Buy foreign currency with term of 3 months, at the end of term will buy spot
d. Selling foreign currency for a term of 3 months, at the end of the term will sell for immediate
delivery
14. Which of the following statements is not related to concentration risk (rủi ro tập trung)?
a. Ratio of using short-term sources for medium and long-term loans does not exceed 30%
b. For 1 customer, no more than 15% of the bank's own capital
c. The ratio of outstanding loans to non-production loans does not exceed 16% of total outstanding
loans
d. The proportion of loans for securities business does not exceed 20% of the bank's charter capital
15. Which of the following is an indirect credit transaction?
a. Loan under overdraft (thấu chi) limit
b. Discount negotiable
c. Financial leasing
d. Lending each time (cho vay từng lần)
16. Which asset class is highly liquid and profitable?
a. Gold, foreign currency
b. Corporate bonds
c. Business capital contribution
d. Government bonds
17. What measures should commercial banks not apply when short-term liquidity surplus?
a. Interbank deposit lending
b. Borrow on interbank
c. Invest in short-term valuable papers
d. Both b and c are correct
18. Which of the following is a qualitative assessment method for customers and loans?
a. Method of artificial nervous system
b. Judgment method
c. Credit score method
19. Attracting deposits by technical means including
a. Arrangement of ATMs at colleges and universities
b. Issuing multi-purpose cards, diversifying customers, providing white check services for
customers
c. Issuing multi-purpose cards, giving raincoats to customers, saving money, diversifying deposit
methods
d. Issuing ATM cards at colleges and universities, providing blank check services to customers,
increasing the number of bank staff.
20. The Credit Scoring system is used to
a. Credit officer management
b. Customer analysis in deposit transactions
c. Improve the quality of payment by credit card
d. Slap all of the above ideas wrong.
1. Similarities in check payment method and payment order payment method

a. Payment certificate issued by the debtor
b. Chances of encountering fake vouchers
c. Is transferred directly in the delivery
d. All right
2. When we say securities with high liquidity, we mean
a. Such securities are readily convertible (có thể chuyển đổi) to cash
b. Such securities are difficult to resell (bán lại) in the market
c. Difficult to convert such securities into cash
d. Stocks with high prices
3. Which source of capital is the capital source to pay interest of commercial banks?
a. Deposits and loans to the Treasury, the State Bank and other credit institutions
b. Other Receivables
c. Deposits from customers and issuance of valuable papers
d. Both a and c
4. Distinguish between electronic cards and electromagnetic cards in:
a. Origin of the card
b. The type of card reader suitable for it
c. Scope of card use
d. Immediate or deferred payment method
5. The credit portfolio risk measurement model helps banks:
a. Find a group of customers with absolutely no risk
b. Assess the working ability of credit officers
c. Increase credit scale without fear of any risk
d. All of the above are incorrect
6. What is the maximum capital contribution ratio of a bank compared to the value of its
own capital and reserves.
a. 30%
b. 40%
c. 50%
d. 60%
7. Which item does not belong to the profitable assets of commercial banks?
a. Term deposits of domestic and foreign credit institutions
b. Term deposits with economic and residential institutions
c. Investment in securities
d. Residential loan (cho vay mua nhà)
8. Money management service on account.........
a. Coupled with deposits, it should be an on-balance sheet transaction
b. Usually only applied to individual customers with long-term deposits
c. Usually applied to customers with large deposit balances
d. It is an unprofitable business because it is off-balance sheet
9. The KMV model is often used to.
a. Invest in gold
b. Stock investment
c. Invest in bonds
d. Foreign currency investment
10. A bill of exchange accepted by a bank is considered a highly secure instrument because:
a. The bank is first liable, having to pay the entire debt it secures to the beneficiary.
b. Issued and guaranteed by the government
c. Low interest rates
d. Absolutely no risk
11. Which of the following is not included when calculating loan interest?
a. Level of default risk
b. Tenor (kỳ hạn)
c. C cost of deposit mobilization
d. Cost rent
12. In the entrusting business:
a. The entrusting party transfers the property rights to the trustee under the contract
b. The trustee transfers the entire and permanent property rights to the trustee
c. The trustee operates for the benefit of the beneficiary
d. Both a and c are correct
13. Which of the following statements is correct?
a. Due to the phenomenon (hiện tượng) of information asymmetry (bất cân xứng), the bank
has the ability to accept a bad customer at the same time as rejecting a good customer.
b. Due to the phenomenon of information asymmetry, the bank is able to accept a good customer
while at the same time rejecting a bad customer.
c. Both of the above are correct
d. Both of the above are wrong
14. Corporate customers may not own any of the following:

a. Saved money
b. Deposit payment
c. Term deposit
d. Certificates of deposit
15. In order to improve the capital adequacy ratio (CAR) – hệ số an toàn vốn, commercial
banks need to take measures.
a. Increase charter capital
b. Reduce risk assets
c. Increase in equity combined with (kết hợp với) a decrease in risky assets
d. Increase risky assets
16. Transactional and non-trading deposits are distinguished from each other oqr
a. Customers send money
b. Deposit term
c. Purpose of sending money
d. Sentences b and c are correct
17. Property guardian (giám hộ) service
a. As guardian of the client's previous activity
b. Asset management in case the heir is a minor (chưa thành niên)
c. Manage all customer needs
d. All three factors above
18. Interest rate risk occurs when
a. Fluctuating market interest rates affect the bank's net interest income and capital value.
b . Fluctuating market interest rates adversely affect a bank's net interest income and/or
capital value
c. Rising market interest rates affect the bank's net interest income and capital value
d. Falling market interest rates affect the bank's net interest income and capital value
19. According to current regulations, a joint-venture commercial bank is a commercial bank
established with the form of a legal entity:
a. Limited Liability Company (including 1TV AND 2TV or more)
b. Company Limited and Joint Stock Company
c. Limited liability companies with 2 or more members and JSCs
d. Limited liability company with 2 or more members
20. Which of the following factors is not necessary to be negotiated (được đàm phán) in the
credit risk swap contract?
a. Reference property
b. Credit risk events
c. Payment methods
d. Exchange rate changes in the market
1. In Vietnam, the operation of a financial institution is similar to that of an investment
bank:
a. Insurance company
b. Financial leasing companies
c. Commercial Bank
d. Securities Company
2. Which of the following methods represents a bank's credit operations?
a. Transfers
b. Thanks to the smooth collection
c. Thanks for collecting vouchers
d. Issuance of L/C (Letter of Credit)
3. Which of the following operations cannot be grouped with the rest:
a. Personal loan
b. Bank guarantee
c. Other bank loans
d. Discount valuable vouchers
4. Arrange the following sentences in the correct order of payment:
1. Buyer and seller have a relationship to buy and sell goods and/or services with each other
2. Buyer's bank pays the seller through the seller's bank
3. The buyer writes a payment order to ask his bank to pay for the purchase to the seller
4. The seller's bank notifies (thông báo) the seller that the buyer has paid
a. 1, 2, 3, 4
b. 1, 3, 4, 2
c. 1, 3, 2, 4
d. 1, 2, 4, 3
5. The objective of the trust matrix model is to:
a. Building a business strategy for the bank
b. Completing the bank's credit policy
c. Use calculation methods to measure the minimum risk exposure of each loan as well as the
entire portfolio
d. Assess (đánh giá) the quality of the bank's investment
6. Which of the following statements is not true about the operation of the NHS?
a. Provide financial advice
b. Issuing certificates of deposit, promissory notes, bills, and bonds to raise capital
c. Using mobilized capital to contribute capital, buy shares
d. Open an account to pay at another credit institution
7. Bancassurance is:
a. The combination of money transfer and insurance business
b. Combination of deposit and insurance operations
c. Combination of credit and insurance operations
d. Combination of banking and insurance
8. What activities does the commercial bank directly perform:
a. Underwriting of securities issuance
b. Insurance Business
c. Financial leasing
d. All is incorrect
9. Which sentence is not the same between payment by payment order and collection order?
a. There are 2 forms of payment through payment intermediaries
b. Orders made by the account holder must be made on pre-printed forms provided by the payment
service provider
c. Is a form of payment that the account holder makes an order, authorizes (ủy nhiệm) payment
with payment service providers to make payment.
d. Only used to pay different values, different periodicity (chu kỳ)
10. Question: Credit institutions contribute capital or buy shares of enterprises by:
a. Charter capital and reserve fund
b. Charter capital and reserve fund, mobilized capital
c. Charter capital and mobilized capital
d. Charter capital and reserve fund, and borrowed capital
11. The basis for determining the floating interest rate for loans is:
a. Basic interest rate announced by the State Bank plus expected inflation
b. Savings deposit interest rate plus a certain margin
c. Real interest rate plus announced interest rate
d. All is incorrect
12. The main assets on a commercial bank's balance sheet are:

a. Deposits
b. Workhouse and office equipment
c. Loans to customers
d. Guarantees
13. Which of the following statements is false?
a. Anonymous sec (séc ẩn danh) is a type of sec that does not include the beneficiary's name;
and anonymous checks are only transferable by endorsement
b. Identifier Sec is a type of sec specifying the beneficiary's name; sec identifier is not transferable
without endorsement
c. Transfer Sec is not transferable and cannot be cashed
d. Cash Sec is paid by the paying bank in cash
14. Which of the following tools cannot be used to reduce credit portfolio risk?
a. Credit risk swaps
b. Option contract
c. Futures contract
d. b and c are both correct
15. How is debt trading done?
a. Participating in a loan
b. Participating deadlines
c. Transfer
d. All right
16. Banking operations related to commercial paper include:
a. Collect commercial paper
b. Discount negotiable
c. Storm received commercial paper
d. All right
17. The meaning of securities investment activities for commercial banks is to:
a. Provide liquidity when needed
b. Diversify profitable activities
c. Increase profits
d. The sentences above are all correct .
18. The form of payment is made between commercial banks of different systems and
locations, but each commercial bank that opens a deposit account at the other bank is
a. Inter-bank payment
b. Payment via SBV
c. Clearing
d. Payment via agent bank relationship
19. If the customer's equity level in the plan is too low, this is related to...
a. Choice risk
b. Business risk
c. Guaranteed risk
d. Intrinsic risk
20. The minimum capital adequacy ratio (CAR) reflects the relationship between
a. Own capital and risky assets of commercial banks
b. Own capital and converted risk assets of commercial banks
c. Own capital and assets of commercial banks
d. Own capital and credit balance of commercial banks.
Which asset class is highly liquid and profitable:
a. Gold, foreign currency;
b. Corporate bonds;
c. Contributing business capital;
d. Government bonds;
1. Streamlining the portfolio management process:
1. Consulting on investment types
2. Define Expectations
3. Sign investment portfolio management contract
4. Build the optimal investment structure.
5. Provide information
6. End of contract
a. 1,2,3,4,5,6;
b. 3,5,1,2,4,6;
c. 5,3,1,2,4,6;
d. 1,5,3,2,4,6;
2. Significance of securities investment activities for commercial banks:
a. Customer service development;
b. Brand enhancement;
c. Provide liquidity when needed;
d. Minimizing investment risks;
3. According to current regulations, for the performance of securities brokerage activities,

commercial banks…
a. Absolutely not allowed ;
b. Unlimited exercise is allowed ;
c. Direct execution is not allowed ;
d. Permitted through the Stock Exchange ;
a. The advent of derivatives stems from the potential risks in contract transactions in the
economy ;
b. Derivatives are always born before an underlying contract transaction ;
c. Derivatives are a type of financial hedging when performing economic contracts ;
d. Using derivatives will help customers prevent and reduce financial risks ;

a. Futures contract ;
b. Swap contract ;
c. Credit contract ;
d. Option contract ;
6. Which of the following is not related to portfolio management?

a. Define expectations ;
b. Building the optimal (tối ưu) investment structure ;
c. Consulting on investment types ;
d. Securities investment ;
7. Credit institutions contribute capital to purchase shares of enterprises by:

a. Charter capital and reserve fund;
b. Charter capital and reserve fund, mobilized capital;
c. Charter capital and mobilized capital;
d. Charter capital and reserve fund, borrowed capital;
8. Which function is not of securities investment activities:

a. Create geographical diversification;
b. Strengthen the capacity of enterprises to realize business opportunities;
c. Mitigating (giảm thiểu) the impact of taxes;
d. Balance credit risk ;
9. Which is not the meaning of securities investment activities for commercial banks:
a. Provide liquidity when needed;
b. Acquisition of businesses;
c. Diversify profitable activities;
d. Reduce the risk of concentration;
10. When commercial bank A uses a ladder strategy to invest in securities in the financial
market, if the maximum maturity for the portfolio is 10 years, the investment amount will be
divided into:
a. 5 equal parts ;
b. 10 equal parts ;
c. 15 equal parts ;
d. 20 equal parts ;
11. Which of the following statements is not true about the ladder strategy in financial
investment activities of banks?
a. The bank is easy to manage, just allocate (phân bổ) investment evenly for the terms and
regularly check the due accounts for reinvestment ;
b. Limit fluctuations in the portfolio's income, by maintaining an average return, and avoiding major
loss events ;
c. Banks need to forecast future interest rates ;
d. All of the above are correct ;
12. Choose the best statement about the term division strategy (A spit-maturity approach)?
a. Fully invest in short-term securities ;
b. Fully invest in long-term securities ;
c. Investing in short-term and long-term securities ;
d. The term division strategy includes all three sub-strategies mentioned above ;
13. Banks use Barbell strategy in stock investment, ire:

a. Portfolio with only short-term securities ;
b. The portfolio contains only long-term securities ;
c. Portfolio with a combination of short-term and long-term securities ;
a. The advent of derivatives stems from the potential risks in contract transactions in the
economy ;
b. Derivatives are always born before an underlying contract transaction ;
c. Derivatives are a type of financial hedging when performing economic contracts ;
d. Using derivatives will help customers prevent and reduce financial risks ;
a. Futures contract ;
b. Swap contract ;
c. Credit contract ;
d. Option contract ;
17. Which of the following is not related to portfolio management?

a. Define expectations ;
b. Building the optimal investment structure ;
c. Consulting on investment types ;
d. Securities investment ;
18. The KMV model is often used to:

a. Gold investment;
b. Stock investment;
c. Bond investment;
d. Foreign currency investment;
19. Secularization:
a. Is the issuance of securities on the basis of the value of playable that a bank already owns;
b. Is the issuance of bonds on the basis of the value of playable that a bank already owns;
c. Is the issuance of securities on the basis of the value of receivables that a bank already owns;
d. Is the issue of shares on the basis of the value of the receivables that a bank already owns;
20. The bank has purchased a number of corporate bonds, in which the repurchase
agreement was agreed upon when issued. The issuer will redeem these bonds when:
a. Market interest rates increase;
b. Market interest rates fall;
c. The market interest rate decreases, the bond market price increases by the redemption price and
the agreed maturity;
d. Banks in trouble;
21. Which of the following is true?

a. Treasury bills are government debt certificates issued by the State Bank;
b. Treasury bills are government debt certificates issued by the State Treasury;
c. Treasury bills are not transferable on the money market;
d. All of the above are correct;
22. The Bank purchases investment securities with fixed maturities and holds them to
maturity in order to:
a. Credit risk prevention ;
b. Hedging foreign exchange risk ;
c. Increase income from receiving interest at the end of the period ;
d. Increase revenue from the difference between buying and selling prices ;
23. If a commercial bank wants to distribute (phân phối lại) securities investment fund
certificates:
a. An investment fund must be established under ;
b. Must establish a securities brokerage company ;
c. Must acquire securities portfolio implementation (thực hiện) company ;
24. Which of the following statements is most correct?

a. Government bonds have the lowest credit risk and the highest return ;
b. Government bonds have the lowest credit risk but at the same time have low profitability ;
c. Corporate bonds also have low credit risk ;
25. Commercial banks are allowed to contribute capital or purchase shares of enterprises
operating in which of the following fields?
a. Insurance ;
b. Securities ;
c. Credit information ;
26. What kind of valuable papers are not issued by the enterprise:
a. Commercial deed (chứng thư thương mại)
b. Bill of exchange accepted by the bank ;
c. Certificate of Deposit ;
d. Corporate bonds ;
27. A bank's portfolio should be designed so that:

a. Guarantee the lowest cost ;
b. Ensure profits at a certain level of expectations but risks must be at a minimum ;
c. Highest return and acceptable risk ;
d. b, c are both correct ;
28. The bank used mobilized sources to buy bonds with a fixed rate of return, while deposit
interest rates increased according to the market. How will this affect the bank?
a. Risk of default ;
b. Interest rate risk ;
c. Credit risk ;
d. Completely unaffected ;
29. Which of the following is not the purpose of securities investment activities for commercial
banks?
a. Provide liquidity to the bank when needed ;
b. Regulating (điều tiết) the stock market ;
c. Diversify profitable activities ;
d. Reduce the risk of concentration ;
30. Banks invest in fixed-yield securities such as government bonds. How will an increase in
market interest rates affect the market price of previously issued debt securities?
a. Increases the market price of debt securities ;
b. Decreasing the market price of debt securities ;
c. Does not change the market price of the debt securities ;
d. All of the above are wrong ;
32. Which of the following factors does not affect a bank's financial investment activities?
a. The development of financial markets;
b. The State's preferential policies and investment support for hi-tech parks;
c. The bank's own capital;
d. Laws of the State;
33. The bank's portfolio will focus on securities such as government bonds, Treasury bills,
because:
a. These types of securities are not transferable on the market ;
b. These securities have low credit risk and are easily transferable in the market to supplement
liquidity when needed ;
c. These types of securities have higher profitability than others ;
34. Financial investment activities help banks:
a. Increase the balance of term between capital sources and use of capital ;
b. Limit interest rate risk ;
c. Dispersing credit risks ;
35. In some cases, a bank's portfolio is not for profit, but for:
a. Use idle money;
b. Create liquidity;
c. Increased riskiness;
d. Increasing the bank's competitiveness;
36. Which of the following investment securities is the least safe?
a. Treasury Bonds;
b. Treasury Bills;
c. Banker's Acceptance of Bill of Exchange;
d. Corporate bonds;
37. When investing in securities, credit risk occurs when:
a. Market interest rates fluctuate;
b. The commercial bank has not used up its credit limit;
c. Investors massively sold securities;
d. The issuer of securities is unable to pay the principal and interest;
38. Why do investors prefer issuer callable bonds?

a. Stable income;
b. Not affected by fluctuations in the market;
c. These securities have higher yields than others;
d. High degree of safety;
39. REPO transactions include:

a.Selling securities
b. Buyback of securities
c.Only b is correct
skin and b
40. When you say securities are highly liquid, what do you mean?
a. Such securities are readily convertible to cash;
b. Such securities are difficult to resold in the market;
c. Difficulty converting such securities into cash;
d. Securities with high selling price;
41. Vietnamese commercial banks performing securities underwriting operations:
a. It is not necessary to have the approval of the State Bank;
b. The Law on Credit Institutions 2010 does not allow commercial banks to carry out securities
underwriting operations;
c. Must establish a securities company (subsidiary of the Bank);
d. Must be done at the Stock Exchange;
42. The influence of political and economic events causing a sharp drop in stock prices on the
stock market belongs to:
a. Interest rate risk;
b. Credit risk;
c. Market risk;
d. Risk of acquisition;
43. Which market do banks participate in to buy and sell short-term securities?
a. Money market ;
b. Capital market ;
c. Foreign exchange market ;
d. Gold market ;
44. Activities that are not financial investment activities of Vietnamese commercial banks
include:
a. Contribute capital to buy shares of enterprises
b. Buying and holding stocks of other credit institutions/banks
c. Loans to business customers
d. Invest in the financial market
45. Which of the following valuable papers can be purchased and sold by commercial banks?
a. Treasury bills ;
b. Government bonds ;
c. Savings book ;
d. a and b ;
46. What kind of valuable paper is considered a certificate of debt?
a. Commercial paper ;
b. Company shares ;
c. Dividends ;
47. Investment activities help banks improve liquidity by:
a. Convert financial assets into cash according to the fourth priority: Highly liquid assets will be
sold later ;
b. Convert financial assets into cash in order of priority: Assets with low liquidity are sold first ;
c. Convert financial assets into cash in order of priority: Liquid assets are sold first ;
48. Treasury bills are issued to:
a. Raising capital for the company ;
b. Serving the company's investment and development needs ;
c. To make up for the shortfall of the State Budget ;
d. Increase spending sources for the company ;
49. Which of the following is not true about corporate bonds?
a. As a type of debt security ;
b. Issued to finance local infrastructure projects ;
c. Confirm the debt repayment obligations of the issuer towards bondholders ;
d. Is one of the valuable papers that the Law allows banks to participate in the market ;
50. What are the basic similarities between treasury bills and treasury bonds?
a. Release period ;
b. Release purpose ;
c. Issuing organization ;
d. All three of the above comments are correct ;
51. The joint venture capital of commercial banks is deducted from?
a. Charter capital of the bank ;
b. Deposits mobilized from customers ;
c. Bank's reserve fund ;
d. a and c ;
52. What is the method of securities underwriting in which the underwriter will commit to
underwriting all of the issued securities whether or not they are fully distributed?
a. Guarantee with commitment to try the best ;
b. Guarantee with firm commitment ;
c. Guarantee according to the minimum - maximum method ;
d. All of the above are wrong ;
53. What is not true about treasury bills?
a. Government debt certificates issued by the State Treasury ;
b. Issued by a private company ;
c. Instruments may carry no interest or low interest rates ;
d. Issued to make up for the deficit of the State Budget and realize the objectives of the monetary
policy ;
54. Commercial banks participate in the money market in which of the following forms?
a. Participating in Treasury bill bidding
b. Buying and selling negotiable instruments, Government bonds
c. Buy State Bank bills
d. All of the above are correct;
55. A bill of exchange accepted by a bank is considered a highly secure instrument because:
a. The bank is first liable, having to pay the entire debt it secures to the beneficiary.
b. Issued and guaranteed by the Government
c. Low interest rates
d. Absolutely no risk
Part 2
1. Which method shows the bank's credit operations?
a. Transfers;
b. Thanks to the smooth collector;
c. Thanks to the collection of documents;
d. Issuing letters of credit;
2. What are the current forms of payment via bank?
a) Clearing, payment under contract, UNC, check;
b) Plan payment, transfer payment, cash payment;
c) Payment through multiple banks, payment through one bank;
d) Checks, payment orders, collection orders, letters of credit, card payments.
3. The payment range of Wire Transfer Checks is:
a) Within the national economy: between businesses, between businesses and individuals, between
individuals and businesses;
b) Within the scope of commercial banks in the same system, other commercial banks in the system,
commercial banks with the State bank, the State bank with commercial banks and bank branches
with each other;
c) Among customers who have opened accounts at the same or different banks but these banks
participate in clearing in the province or city;
d) Within the range between customers who open accounts at the same bank.
4. Which of the following accounts are not used in the Interbank Payment System:
a) Payment deposit accounts of members;
b) Clearing account;
c) Collection and payment accounts;
d) Customer's savings account.
5. Places where checks can be paid:

a) At the place of business of the drawee;
b) At the place indicated on the check;
c) At any credit institution, the bank is allowed to issue checks;
d) All 3 statements are true.
6. Which of the following is not a form of payment between banks:
a) Payment via State bank;
b) Deferred payment;
c) Clearing;
d) Payment through correspondent banking relationship.
7. Which is not the advantage of clearing between banks:
a) Fast, can handle multiple payment transactions at the same time;
b) Creating conditions for banks to effectively manage capital and harmonize capital;
c) Property safety;
d) Clearly show the receivable and payable amount of each bank participating in clearing.
8. If the amount written in words and numbers on the face of the promissory note do not
match, the payment will be based on which amount:
a) Amount in words;
b) Amount in number;
c) The smaller of the 2 numbers;
d) That bill of exchange has no value.
9. Delays in issuing a spending authorization can harm:
a) Buyer;
b) Seller;
c) Buyer and seller;
d) The bank provides payment services to buyers.
10. Which of the following is not true about payment methods in the form of collection
orders:
a) Can be used in case the two parties buy - sell have mutual trust, have agreed on payment
conditions;
b) Due to the beneficiary making the payment process may be delayed;
c) As established by the beneficiary, the payment process does not occur without delay;
d) The beneficiary's bank notifies the buyer through the buyer's bank.
11. In what cases can the payment method by collection order be used?
a) In case two service providers do not have mutual trust;
b) In cases where the two parties buying and selling goods or providing services do not have mutual
trust or in the case of payment for services provided, there are accurate measuring devices such as
electricity, water, and telephone;
c) In case the two parties purchase and sell goods with mutual trust;
d) In cases where two parties purchase and sell goods or provide services with mutual trust or in the
case of payment for services provided, there are accurate measuring devices such as electricity,
water, and telephone;
12. Which of the following statements is not true about the characteristics of the clearing
method between banks?
a) Wide payment range;
b) The member banks must open a deposit account at the lead bank;
c) Can process multiple payment transactions at the same time;
d) The lead bank is the State Bank or another banking unit if there is no branch of the State Bank in
the locality.
13. Credit cards have the following advantages:

a. Low transaction fees and narrow operating range.
b. Popular for car buying and selling activities.
c. Use payment as an alternative to cash but not a substitute for checks.
d. The card can be used to withdraw cash from a bank branch, correspondent bank or ATM or
transfer to another bank's account;
14. which of the following is incorrect. When paying a check the customer must:
a. Have an account at that bank;
b. Payment can only be made within the same bank system;
c. Have a serial number in the bank's serial number;
d. Write the amount on the check to be less than the account balance;
15. Which is not the same thing between the two check and card payment methods?
a. All issued by the bank;
b. As a form of non-cash payment;
c. The payee can receive cash or wire transfer;
d. It is a form of payment through a bank intermediary.
16. What is the difference between UNC and UNT?

a. The beneficiary and the payer must have an account at the bank;
b. All created by the customer;
c. Service fee for money transfer paid by the beneficiary or the payer;
d. Make payments on UNC, UHT forms of NH.
17. Which form of payment is the supplier of goods and services more guaranteed to pay?
a. Sec ;
b. Authorization for collection;
c. Accreditative;
d. Letter of credit.
18. Credit card features:
a. Any customer can have a credit card;
b. When using a credit card, the debt balance decreases gradually;
c. The cardholder needs to have a balance on his payment account at the card issuing bank;
d. A credit card has the same features as a debit card.
19. Please choose False:
Members participating in the NIEPS must be payment service providers and comply with the
following conditions:
a. Must have a payment deposit account at the Exchange;
b. Must maintain the balance of the payment deposit account to secure the execution of Payment
Orders and clearing through the NIEPS;
c. Must establish, maintain and manage net debt limit in case of low value payment service;
d. With the consent of the direct management member.
20. Why distinguish between the presentation period and the payment validity period:
a. To encourage the beneficiary to present the check promptly;
b. To encourage the use of check payments;
c. Extend the payment time, increase the validity period for the check, in case of unexpected
cases;
d. Grounds for considering the drawer's violation of payment discipline;
21. : What types of checks require the beneficiary to have a bank account
a. Crossed checks, wire transfers;
b. Bank transfer checks, travelers checks;
c. Wire transfer check, order check;
d. Traveler's check, slash check.
22. Choose the correct answer:
a. The payment order must be made and signed by the payer and only based on that order for
the bank to pay money to the beneficiary;
b. The payment conditions of the payment order are that the beneficiary and the paying unit
must have a bank account;
c. Debit cards have functions such as: direct payment, bank loan for payment, automatic
withdrawal;
d. The credit card has functions such as: automatic withdrawal, direct payment, can carry the
balance over many consecutive months.
23. Choose the correct answer:
a. ATM card used for payment and withdrawal;
b. Debit cards are for withdrawals only;
c. Credit card for payment;
d. Payment card used to withdraw money.
24. Interbank payments are made between which of the following banks?
a. Agribank district 9 branch and Vietinbank Binh Duong branch;
b. Vietcombank branch in district 9 and Vietinbank branch in district 9;
c. Agribank district 9 branch and Agribank Binh Duong branch;
d. Vietcombank branch in district 9 and Agribank branch in Binh Duong district;
25. Which of the following statements is correct?
a. To send money through another bank, the depositor must have an account at the bank;
b. To organize payment, 2 banks need each other's deposit accounts;
c. The main form of payment of the two banks in the same system is interbank payment;
d. Between two banks, the payment organization through correspondent banking relationship does
not need an additional bank as an intermediary;
26. Select the correct answers:
a. Minimum balance of debit card is 0;
b. Credit cardholders who pay late payments will incur high interest rates;
c. The supplementary card is issued when the main card is lost;
d. Credit cards cannot withdraw cash.
27. Choose the wrong sentence:
a. An anonymous check holder is the legal beneficiary;
b. Wire checks are non-transferable and non-cashable;
c. It is possible to transfer part of the amount stated on the check;
d. The drawer must still pay the amount stated on the check after the check is rejected by the
payee under the notice of suspension of payment;
28. Which of the following is not true about payment by letter of credit?
a. Buyers save time and effort in finding reputable and reliable partners;
b. The payment process is short, the parties proceed very quickly in making and checking
documents;
c. Usually applied to import and export payment activities;
d. Protect the interests of both buyers and sellers of goods when they do not have the
conditions to directly exchange with each other.
29. Disadvantages of payment through correspondent banking relationship:
a. Does not facilitate money transfers, it will send payment orders settled through an organized
agent account with each other;
b. The payment involves 4 parties, the transaction step by step is not convenient;
c. Only within the banks of the same system, customers are not many;
d. Requires a modern and sensitive technology system when transacting between banks to ensure
low risk;
30. Using which of the following cards will increase your debit balance when buying goods
and services:
a. Debit card;
b. Credit;
c. Payment card;
d.ATM card.
31. Select the correct answers:
a. Payment cards are also known as debit cards;
b. The credit card only allows the account holder to withdraw funds within an agreed limit;
c. Checks are only used to withdraw cash at the bank;
d. Using a debit card means you are borrowing money from a bank.
32. Choose the wrong sentence, the customer wants to use the means of payment via the bank,
the customer must have:
a. Payment account;
b. Transaction deposit account;
c. Demand savings account;
d. Current account;
33. The payment card has no embossed information?
a. The name of the card;
b. Card number;
c. Cardholder's ID number;
d. Cardholder's name;
34. A customer uses a card to buy goods at a supermarket, the value of goods is immediately
debited to the cardholder's payment account and credited to the supermarket's account. The
card type and payment method are:
a. Credit cards and electronic payment methods;
b. Debit cards and mechanical payment methods;
c. Credit cards and mechanical payment methods;
d. Debit cards and electronic payment methods;
35. Magnetic cards and electronic cards are distinguished from each other in:
a. Origin of the amount on the card;
b. Scope of card use;
c. Techniques for reading and storing information on cards;
d. Card payment method;
36. A customer uses a card inserted into the machine, after entering his personal identification
number, the customer withdraws an amount and his account is debited . What kind of card is
it:
a. Card from;
b. Payment card;
c. ATM card;
d. Smart card;
37. Which of the following are characteristics of electronic payment methods:
a. Cardholders get deferred payment
b. The merchant's account will be credited after a certain number of days;
c. Used in conjunction with an electronic card;
d. There is no separation between transaction time and payment time;
38. When using a credit card, the cardholder will have to:
a. Deposit an amount on the card account;
b. Bear interest if payment is not enough within a certain number of days;
c. Have a payment deposit account at a bank;
d. Payment immediately upon receipt of periodic statement from the bank;
39. Authorization for collection and authorization for expenditure are similar in that:
a. As a means of payment via bank issued by customers;
b. The document circulation process is similar;
c. There may be a risk of underpayment upon presentation of payment documents;
d. The drawer is the purchaser;
40. A customer uses a card to buy goods at a supermarket, the value of goods is immediately
debited to the cardholder's payment account and credited to the supermarket's account. The
card type and payment method are:
a. Credit cards and electronic payment methods;
b. Debit cards and mechanical payment methods;
c. Credit cards and mechanical payment methods;
d. Debit cards and electronic payment methods;
41. Check means:
a. Order slip issued by the purchaser;
b. Bill of exchange issued by the seller;
c. Debit note issued by the bank;
d. Special draft issued by the account holder;
42. Which of the following are characteristics of electronic payment methods:
a. Cardholders are entitled to deferred payment;
b. The merchant's account will be credited after a certain number of days;
c. Used in conjunction with an electronic card;
d. There is a network connection between payment participants;
44. When using a credit card, the cardholder will have to:
a. Deposit an amount on the card account;
b. Bear interest if the minimum payment is not met after the specified time limit;
c. Have a payment deposit account at the bank;
d. Pay immediately upon receipt of periodic statement from the bank;
45. According to the Law on Transferable Instruments, if the time of force majeure or
objective obstacles is not taken into account, the check will only be paid if the check is
presented within….
a. 15 days from the date of issuance;
b. 30 days from the date of issuance;
c. 45 days from the date of issuance;
d. 60 days from the date of issuance;
46. The typical risks in the collection order payment method are:
a. Fake payment vouchers;
b. The document arrives that the payer's account has insufficient funds to pay;
c. Debtor delays in making payment orders;
d. All sentences are correct;
47. The main uses of payment cards are:
a. Cash withdrawals;
b. Payment for goods and services;
c. Loan;
d. Payment to the bank;
48. Non-cash payment services in banks include:
b. Including payment service via payment account and not through customer's payment account;
c. Payment can be applied to State Treasuries in the same area;
d. Including payment services are collection orders, payment orders, checks and cards;
e. All right;
1. Choose the correct statement:
a. Account holders who are purchasers can use non-cash payment methods including security
checks, payment orders; letter of credit to pay for goods and services;
b. Merchant account holders can use non-cash payment methods including money orders, money
orders and letters of credit;
c. Individuals can use cash withdrawal cards (ATMs) to pay for goods and services anywhere;
d. All right;
2. According to current regulations, based on the amount used for payment, bank cards can
be classified into types:
a. Debit card, credit card, ATM card;
b. ATM card, credit card, overdraft card;
e. ATM card, credit card, check payment security card;
a. Prepaid cards, debit cards, credit cards;
61. What is the difference between a credit card and a debit card?
a. Payment uses of the card;
b. Scope of card use;
c. Card payment technology;
d. Origin of the amount on the card;
62. Which of the following statements does not describe the characteristics of the payment
authorization method:
a. The payment order goes from the debtor;
b. Suitable for payment for public goods used first, pay later;
c. The rotation process is consistent with the principle of debt first - credit later;
d. There are advantages for sellers;
63. Which of the following measures is the most effective to develop a highly secure and
reliable information infrastructure in the banking financial services industry:
a. Expand the supply of products and services;
b. Increase computing speed;
c. Expand sales with multiple supply channels;
d. Add new product applications;
64. : A business A in Ho Chi Minh City wants to pay for goods to a supplier in Hanoi, DN A
should use the following means:
a. Traveller's Cheques;
b. Bank card;
c. Authorization for collection;
d. Accreditative;
Sentences The similarities in check payment and payment order payment methods are:
a. Payment documents issued by the debtor;
b. The possibility of encountering fake vouchers;
c. Is transferred directly in the transaction;
d. All sentences are correct;
Which of the following statements is not true about non-cash payment intermediaries:
a. Not using cash but numbers on the books;
b. Not allowed to open payment accounts in foreign currencies;
c. Individuals who do not have full civil act capacity are not allowed to open accounts for
transactions;
d. Payment card is one of the non-cash payment methods;
Question: Choose the correct statement:
a. Debit and credit cards are both payment cards;
b. Debit card and credit card are both forms of lending according to the bank's credit limit;
c. Banks rely on debit and credit cards to assess the creditworthiness of their customers;
d. Debit and credit cards are not allowed to withdraw money at ATMs;
Question: Choose the correct statement from the following statements about the use of checks
in payment:
a. Banks and State Treasury may only sell blank checks to customers who have accounts at their
units;
b. The beneficiary has the right to appeal in all cases where the check is rejected;
c. If the check is not paid, the assignor of the check is liable to the holder of the check;
d. Damaged checks must not be crossed out, but torn from the checkbook;
Question: Choose the incorrect statement from the following statements:
a. Payment services via customer's payment account, including: money transfer, collection and
payment;
b. Payment services not through the customer's payment account, including: money transfer,
collection and payment;
c. Non-cash payment service means a payment service that must go through a payment account;
d. Means of non-cash payment are electronic or paper vouchers;
Which sentence is not the same between payment by payment order and collection order?
a. There are 2 forms of payment through payment intermediaries;
b. Orders made by account holders must be made on pre-printed forms provided by payment service
providers;
c. Is a form of payment that the account holder makes an order, authorizes payment to payment
service providers to make payment;
d. Only used to pay different values, different periodicals;
Question : Arrange the following sentences in the correct order of payment:

1. Buyer and seller have a relationship of buying and selling goods and/or services with each other;
2. The buyer's bank pays the seller through the seller's bank;
3. The buyer writes a payment order to request his/her bank to pay for the purchase to the seller;
4. The seller's bank notifies the seller that the buyer has paid;
a. 1, 2, 3, 4;
b. 1, 3, 4, 2;
c. 1, 3, 2, 4;
d. 1, 2, 4, 3;
Question : Which of the following statements is true?
a. Payment authorization made by the bank/service-providing organization;
b. The collection mandate is established by the beneficiary;
c. Payment authorization is often used to pay different values, different periods;
d. Collection mandates usually only pay for fixed amounts periodically;
Question: The form of payment is made between commercial banks in different systems and
locations, but each commercial bank has a deposit account at the other bank.
a. Inter-bank payment;
b. Payment through the State Bank;
c. Clearing;
d. Payment through correspondent banking relationship;
Question: Disadvantages of one-time payment via SBV

a. Slow payment speed;
b. Only applicable to banks in the same system;
c. Signature samples must be registered at the lead bank and other member banks;
d. High cost of use;
Question: Which of the following statements is incorrect?

a. Anonymous check is a check that does not bear the beneficiary's name; and faceless checks are
transferrable only by endorsement;
b. Nominal check is a check that specifies the beneficiary's name; identification checks are not
transferable without endorsement;
c. Wire checks are non-transferable and non-cashable;
d. Cash checks paid in cash by the clearing bank;
Question 2: Providing payment service via account is:

a. Provision of means of payment and credit granting;
b. Provision of payment means and financial leasing;
c. Provision of payment means and securities brokerage;
d. Provide payment means and execute payment orders;
Question : The disadvantages of payment by Collection Order are:
a. Cannot be used in the case of payment for services provided with an accurate means of
measurement;
b. The collection order is made by the beneficiary, so there may be a delay in the payment process ;
c. Using the Collection Mandate takes a lot of time and costs;
d. Collection mandate is only used in transactions of goods/services of a public nature;
Question : The advantages of the form of clearing between banks are:
a. The payment range is wide, nationwide because the network of branches of the State Banks
covers all localities across the country;
b. If banks have to pay but the balance is not enough to pay, the State Bank and commercial banks
will lend to supplement the shortfall in clearing;
c. Can quickly process many payment transactions at the same time;
d. It is possible to process many transactions between banks that have payment relations at the same
time;
Question : Which of the following is not a feature of a debit card?
a. Withdraw money directly from your account to make the payment;
b. Ability to withdraw money from ATMs;
c. Credit balance of card account decreases upon payment;
d. The debit balance of the account increases upon payment;
Question: Common characteristics of all payment methods between banks are:
a. No cash;
b. Execute transactions one by one;
c. Performing multiple transactions at the same time;
d. Nationwide payment coverage;
Sentence Differences between the Czech Republic and the payment authorization:
a. Payment order maker;
b. Payment order recipient;
c. Time of handing over documents;
d. Beneficiaries of vouchers;
Question: What is the risk in the payment method by collection order:
a. Fake payment vouchers;
b. Insufficient funds in the payer's account when the documents arrive;
c. Debtor delays in making payment orders;
d. Creditors are late when making payment orders;
Which of the following statements is incorrect when talking about the utility of payment services
via NH:
a. Reduce costs of transportation, storage, cash inventory;
b. Avoid all possible risks;
c. Effectively combat tax loss;
d. To be provided with banking services with many incentives;
Question Which of the following methods of collecting electricity service charges brings the most
benefits and advantages to a water company?
a. Toll collection at home;
b. Collect fees through collection mandate;
c. Collect fees through payment authorization;
d. Receive payments by check;
Question Which form of payment between banks has the most advantages when making payments
between banks in the same system:
a. Inter-bank payment;
b. Inter-bank payment;
c. Payment via agent bank;
d. Clearing;
Question Characteristics of clearing between banks are:
a. Can process multiple payment transactions at the same time;
b. Slow payment speed;
c. Only applicable to banks in different systems;
d. The member banks are not required to open an account at the leading bank;
Question What is the BIN number on the ATM card?
a. Cardholder's personal identification number;
b. Code indicating the cardholder's transaction account;
c. Card issuing bank's code;
d. The card's password is provided by the bank upon issuance;
Which of the following statements is not true about SWIFT:
a. The fast speed allows to process a large number of transactions in any country in the world;
b. Very high security and safety;
c. The cost for an electric transaction is lower than the traditional means of communication;
d. Using SWIFT will follow a uniform standard;
Question When there are multiple checks filed in the bank at the same time to collect money from a
drawer but the drawer's ability to pay is not enough to pay all of those checks, the order of payment
will be:
a. In order of check number and draw date;
b. By date of draw and order of check number;
c. According to the value of the amount on each check;
d. NH will not pay all such checks;
Question Currently, among the non-cash payment means, which means of payment has the largest
total transaction volume in Vietnam?
a. Checks;
b. Accreditative;
c. Authorization for collection;
d. Bank card;
Which of the following statements about checks is true :
a. Past the validity period of the check, in order to receive payment, the beneficiary must request
the drawer's bank to pay;
b. When a check has been ordered, the payee is responsible for paying the amount stated on the
check even if the time limit for presentation of the check has expired;
c. The buyer of the traveler's check that signs the check can convert it into cash equivalent to the
amount written on the check by the buyer;
d. For crossed checks, which are non-cashable checks;
The advantage of collection mandate is:
a. Can be used for both domestic and international payments;
b. The bank can control the solvency of the payer;
c. The payment process is fast but complicated;
d. Reduce costs for banks;
Question Suppose you are a payment officer, when receiving a payment order from a customer,
what should you pay attention to first?
a. The beneficiary does not have an account at the bank;
b. The payer does not have an account at the bank;
c. Beneficiary does not have enough balance in the bank account;
d. The payer does not have enough balance on the bank account;
Sentence
Which of the following is true about spending and revenue authorizations?
A. Payment authorization and collection authorization are both established by the bank
(Wrong, the payment order and the collection order will be made by the person who needs to pay or
collect money, who is not always the bank.)
B. When using a payment order and a collection order, the buyer and seller must have an account at
the same bank
(Wrong, for a payment order, the buyer and seller do not necessarily have the same bank account.
For a collection order, the buyer and seller must both have a bank account (same or different bank)
)
C. Remittance service fee to be paid by the payer or the beneficiary
( Yes, depending on the agreement, the payer or the beneficiary will pay the bank transfer fee)
D. Beneficiary's bank receives remittance fee
(Wrong, the money transfer fee will be borne by the payer's bank)
Sentence is used between:
a. Banks in the same system, same location, regular transactions;
b. Banks in the same system, different locations, infrequent transactions;
c. Banks are different from the system, in different locations, with regular transactions;
Banks are different from the system, in the same area, with irregular transactions;
d.
Sentence In payment of checks, the person whose checking account is debited:

a. Beneficiary;
b. Drawer;
c. Transferor;
d. Payee;
Question Type of check guaranteed to be paid by the bank to the beneficiary by freezing the check
issuer's amount at the bank is:
a. Security check ;
b. Cash checks ;
c. Check slash ;
d. Check by order ;
Crossed check sentence :
a. Beneficiaries do not need to have an account at NH ;
b. The issuer does not need to have an account at NH ;
c. The issuer must have an account at the bank ;
d. The beneficiary must have an account at the bank ;
The sentence “…………………….. is an unconditional payment order, signed by a bank customer,
ordering the bank to deduct a certain amount of money from his account to pay. to the designated
person”.
a. Promissory Note (Promissory Note) ;
b. Bill of Exchange (Bill of Exchange) ;
c. Check (Check) ;
d. Letter of Credit (L/C) ;
The sentence "Act of commitment to pay by the person obligated to pay when the bill of exchange
reaches maturity" is a transaction:
e. Acceptance of bill of exchange
f. Endorsement of bills of exchange
g. Guarantee of bills of exchange (Aval)
h. Protest (Protest)
Question Account holders with payment deposits at banks can use:
a. Checks, credit cards, payment orders, collection orders;
b. Checks, ATM cards, payment orders, collection orders;
c. Checks, credit cards, ATM cards, payment orders;
d. Checks, promissory notes, credit cards, ATM cards;
Question If the time of force majeure event is not counted, the check will only be paid if the check
is presented within:
a. 10 days from the date of issuance;
b. 20 days from the date of issuance;
c. 60 days from the date of issuance;
d. 30 days from the date of issuance;
When paying by payment order submitted by the customer to the bank, the payment staff should
pay attention to the following problems:
a. The beneficiary does not have a bank account;
b. The payer does not have an account at the bank;
c. The beneficiary does not have enough balance on the account at the bank;
d. The payer does not have enough balance on the account at the bank;
Sentences The mode of payment for letters of credit is almost exclusively used in payment of
import-export contracts and is rarely used to pay for domestic goods sale and purchase contracts
because:
a. Domestic customers are limited in foreign languages;
b. The payment procedure is too complicated;
c. Customers have no need to use this method in payment of domestic sales contracts;
d. The importer is not fluent in the language of the exporter;
Sentence Payment cards can be used for:
a. Any debt payments to the bank;
b. Any payment for services accepted by the beneficiary;
c. Any payment accepted by the beneficiary;
d. Any payment for goods accepted by the beneficiary;
Sentence Element not required when issuing bill of exchange
a. Place of drawing of bills of exchange;
b. An unconditional order to demand money;
c. Amount in figures and words of the bill of exchange;
d. Title of bill of exchange;
Which of the following statements is most accurate:
a. Payment via bank is a type of money receiving service, whereby the bank performs the receipt
of money from the account of the payer, by debiting the account, to the account of the beneficiary,
by credit the account;
b. Payment via bank is a type of money receiving service, whereby the bank makes a deduction to
transfer money from the account of the payer, by debiting the account, to the account of the
beneficiary, by how to credit the account;
c. Payment via bank is a type of payment service whereby the bank makes a deduction to transfer
money from the account of the payer, by crediting the account, to the account of the beneficiary, by
how to debit the account;
d. Payment via bank is a type of payment service whereby the bank makes a deduction to transfer
money from the account of the payer, by debiting the account, to the account of the beneficiary, by
how to credit the account;
The mandator's sentence is:
a. Buyers and sellers of goods;
b. Buyers of goods and services;
c. Person with balance in a checking account;
d. Sellers of goods and services;
The difference between a debit card and a credit card is:

a. Credit cards are used to grant credit, debit cards are used to pay debts
b. Credit cards do not require customers to have money on their accounts to use, debit cards require
customers to have money on their accounts to use;
c. Credit cards issued by credit institutions, debit cards issued by banks:
d. Credit cards require customers to have money on their accounts to be used, debit cards do not
require customers to have money on their accounts to be used;
Sentence The difference in usage between blank endorsement and command endorsement is:
a. Endorsement blank for the purpose of transferring the bill of exchange by hand, endorsing to
order for the purpose of transferring the draft draft to the order of the beneficiary;
b. Endorsement is blank for the purpose of facilitating the transfer of bills of exchange, endorsing
by order is for controlling the transfer of drafts;
c. Endorsement is blank for the purpose of facilitating the transfer of drafts, endorsing by order is
for the purpose of terminating the transfer of drafts; d. The endorsement is blank for the purpose of
facilitating the transfer of the bill of exchange, the endorsement by order is for the purpose of
restricting the transfer of the bill of exchange;
The characteristics of the documentary credit payment method are stated as follows:
a. Documentary credit payment method, the importer commits to pay the exporter's bank;
b. Documentary credit payment method, the importer's bank commits to pay the exporter's bank;
c. Documentary credit payment method, the importer's bank commits to pay the exporter;
d. Documentary credit payment method, the importer commits to pay the exporter;
Sentences of the method of payment by collection with documents under D/P condition are stated as
follows:
a. Payment method by collection with documents under D/P terms, the exporter cannot deliver the
goods without receiving the money from the importer;
b. Payment method by collection with documents under D/P terms, the exporter can receive money
without delivering the goods to the importer;
c. Payment method by collection with documents under D/P terms, importer cannot receive goods
without paying exporter;
d. Payment method by collection with documents under D/P terms, the exporter can receive the
goods without paying the exporter;
Sentences of the method of payment by collection with documents under D/A condition are stated
as follows:
a. The exporter cannot deliver the goods without receiving payment from the importer;
b. The exporter can receive money without delivering the goods to the importer;
c. The importer cannot receive the goods without paying the exporter;
d. The importer can receive the goods without paying the exporter;
Sentence According to the current regulations of Vietnam, the time limit for presenting a request for
payment of a check is ....., from the date of issuance:
a. 30 days;
b. 60 days;
c. 45 days;
d. 6 months;
Question Payment of checks shall be terminated after ……., from the draw date indicated on the
check:
a. 30 days;
b. 60 days;
c. 45 days;
d. 6 months;
If the check is presented after the time limit for presentation for payment but not more than
………… from the date of drawing, the drawee can still pay if the drawee does not receive the
notice of suspension of payment for check and the drawer has sufficient funds on the account to
pay.
a. 30 days;
b. 60 days;
c. 45 days;
d. 6 months;
Which of the following cards can be used by customers when their deposit accounts are exhausted:
a. Debit card;
b. Escrow card;
c. Card used by overdraft method;
d. Credit;
Sentence In payment of a check, the drawee is:
a. The person who is obligated to pay;
b. The person serving the payer;
c. Beneficiary of the check;
d. The person serving the payee of the check;
Which of the following means of payment is no longer used in Vietnam:
a. Bill of exchange for debt receipt;

b. Bill of exchange for debt collection;
c. Payment check;
d. Accreditative;
Which of the following states the difference between a check and a payment order:
a. Subjects make different payment orders;
b. The probability of counterfeit vouchers in checks is higher than in payment orders;
c. Checks are transferred directly in the transaction, while the payment order is not;
d. Sentences b and c are correct;
Bank Card is used to:
a. Cash withdrawals
b. Payment for goods and services
c. Bank loan
e. Both a and b are correct
Question Payment by check will
f. Faster than paying by proxy;
g. Slower than paying by ATM;
h. All forms of payment are the same;
i. Not enough grounds to conclude the above ideas;
Sentence The method of payment between customers via bank is
a. The Bank deducts from the payer's account to the beneficiary's account through the Bank's
operations;
b. The Bank deducts from the bank's account and transfers it to the payer's account to pay the
beneficiary;
c. The bank deducts from the beneficiary's account and transfers it to another bank related to the
customer in payment;
d. All of the above are true;
Question According to current regulations, the amount used for debit card payment is from the
account:
a. Term deposit account;
b. Payment deposit account;
c. Demand savings account;
d. Current account;
Which of the following check types is not subject to a time limit for payment:
a. Cash check
b. Traveller's Cheques
c. Security check
d. Check slash
Which of the following statements does not describe the characteristics of the payment
authorization method:
a. The payment order goes from the debtor;
b. Suitable for payment for public goods used first, pay later;
c. The rotation process is consistent with the principle of debt first - credit later;
d. There are advantages for sellers;
Which of the following characteristics best describes the nature of the collection mandate?
a. Used for goods transactions between two parties that have regular relations;
b. The payment order goes from the debtor;
c. The process of circulating documents is like a check;
d. Buyers have the advantage of being paid late;
Question When commercial banks provide good payment facilities, they will attract:
a. Source of savings deposit
b. Source of non-transactional deposits
c. Source of transaction deposit
d. All sources above
Question To use the means of payment via bank, customers must have:
a. Current account at the bank
b. Term savings account at the bank
c. Payment deposit account at the bank
d. a and c are correct.
Part 3
Which business sentence is an on-balance sheet transaction of NH?
a. Buy corporate bonds;
b. Advise;
c. Investment Management;
d. Insurance;
Question 1. SMALL financial services
A. Increase the capital source of the bank;
B. Decreasing the bank's assets;
C. It both increases capital and reduces the bank's assets;
D. Does not change the capital and assets of the bank.
Question 2. What rights does the trustee have over the trust property?
A. Possession;
B. Possession, use;
C. Settlement;
D. Possessing, using, a part of the right to dispose.
Question 2. In January/N, enterprise A has 15,000 USD. Currently, enterprise A has a capital need
of 300 million VND for production and a debt of 10,000 USD to be paid at the beginning of
February/N. What should businesses do to both have money for production and can eliminate
exchange rate risk when paying debts in February/N (knowing that the USD exchange rate is
trending up)?
A. Bank loan of 15 000 USD with floating interest rate for 1 month term;
B. Bank loan of 15 000 USD with interest rate of 1.7%/year for 1 month term;
C. Sign a foreign currency swap contract worth USD 15 000;
D. Deposit 15,000 USD in the bank with the interest rate of 0.25%/year for 1 month term.
Question 1. Choose FALSE when talking about derivative services:
A. Derivatives are a type of financial hedging;
B. Derivative services originate from potential risks in economic contract transactions;
C. Derivative services are always born before a contract transaction;
D. Derivatives services help clients to hedge and minimize financial risks in addition to profit-
making speculation.
Question 2. What are the characteristics of financial services?

A. Revenue from fees, not using capital, on-balance sheet activities;
B. Revenues from fees and interests, capital use, off-balance sheet activities;
C. Income from interest, not using capital, on-balance sheet activities;
D. Income from fees, not using capital, off-balance sheet activities.
Question 1. Services of modern banks are:
A. Accepting deposits;
B. Pay;
C. Commission;
D. Preservation, consignment.
Question 2. Choose the wrong sentence:
A. Entrustment contracts are not revocable;
B. The trust maker may retain only part of the control over the assets;
C. Liquidation of assets under a will is a form of trust;
D. In Vietnam, individuals, banks and financial institutions are entitled to entrust capital to invest.
Question 1. Choose FALSE. Receive entrustment from individual customers including:
A. Liquidation of assets according to the will;
B. Securities trading;
C. Operate individual trusts under contract;
D. Property guardian.
Question 1. What is NOT a consulting service?
A. Low level of risk;
B. Requires a team of banking consultants to be reputable, knowledgeable and
professional;
C. Content can be investment advice, purchase and sale, consolidation, merger;
D. The consultant is responsible for the decisions that the consultant makes.
Question 2. Choose FALSE:
A. In the trust service, almost all rights on the property are transferred by the owner to the
trustee, retaining only a part of the control of the property;
B. In the representation service, the owner still retains the right over the property, only
transferring to the representative the establishment and performance of a number of civil
transactions within the scope of competence;
C. In practice, trust contracts are often revocable;
D. There are three main types of agency services: contract representation, asset
management, and litigation.
Question 1: Which of the following is a type of bank guarantee issued by a credit institution to the
guarantor to ensure the obligation to return the advance payment received by the customer to the
guarantor under the signed contract:
A. Payment Refund Guarantee;
B. Payment guarantee;
C. Bid guarantee;
D. Loan guarantee.
Verse 2: Choose the FALSE sentence. The guarantee contract or guarantee commitment of the
guarantor must be signed by:
A. Legal representative;
B. Underwriting risk manager;
C. Guarantee appraiser;
D. Guaranteed person.
Question 1. Choose the TRUE statement about Trust Services:

A. In Vietnam, only commercial banks are allowed to perform entrustment services;
B. In trust services, the trustee (the trustee) does not have the right to possess, use and partially
dispose of the property;
C. Credit institutions or foreign bank branches are authorized by individuals;
D. The entrustor must bear the risk when performing entrustment operations in the field related to
banking activities.
Question 2. Banks are not authorized to entrust or receive entrustment in the field of business:
A. Asset Management
B. Insurance business;
C. Banking activities;
D. Buying and selling real estate.
Verse 1 . Which of the following statements false:
A. Financial services include any banking and other financial services (except insurance);
B. When the bank performs financial services, it will not change either side of the bank's balance
sheet;
C. Financial services help banks supplement profits and spread risks in business;
D. Financial services in banking are services associated with banking activities.
Question 2. In what way is the guarantee by the method of selling all or nothing different from the
other guarantee methods?
A. Commitment to buy all issued securities regardless of whether they are fully distributed or not;
B. If the amount of securities sold reaches a ratio lower than the required rate, the entire issuance
will be canceled;
C. If the issued securities are not sold out, the entire issuance will be canceled and the money sold
will be owned by the underwriter;
D. If the issued amount of securities is not sold out, the entire issuance will be canceled and the
money sold will be returned to the buyer.
Question 1. Which financial services do commercial banks not need to establish or acquire
subsidiaries or affiliates?
A. Underwriting securities;
B. Consulting services;
C. Insurance;
D. Financial leasing.
Question 2: Choose the TRUE statement:
A. In preservation and deposit services, the Bank still has to pay interest to customers if the
preservation is money;
B. Futures contracts are still traded on the OTC market;
C. An options contract does not oblige its buyer to execute the committed transaction, but an option
premium is required in all cases.
D. Large-scale financial leasing companies are still allowed to contribute capital, buy shares,
establish subsidiaries and associate companies.
Question: The similarity between agency service and fiduciary service is:
a. The owner retains the rights on the property;
b. Complex work, depending on the customer;
c. High legality, strictly regulated by the provisions of law;
d. Can be terminated by simple procedures;
Question : Which is not a primary agency job:
a. Contract signing representative;
b. Management representative;
c. Legal representative;
d. Personal tax processing representative;
Question: Which of the following is not true about the service of preserving valuables:
a. Items sent can be gold, money, souvenir photos;
b. The Bank must return the consignment intact;
c. Preserved money and gold are charged interest;
d. The bank knows the details of the items deposited;
Question: Financial services bring revenue to banks from:
a. Credit interest;
b. Fee collection;
c. Financial investment;
d. Mobilizing deposits and providing payment services;
Question 1: In a trust service, what rights do the trustee have over the trust assets:
a. Right of possession and right of use;
b. Right of control and right of disposition;
c. Possession only:
d. Nearly all rights as an owner to property;
Question 2: What rights does the trustee have with respect to the trust property:
a. Partial control;
b. Part of the right to use;
c. Partial decision-making power;
d. Have all the rights of 1 owner to the property;
Question 3: According to Circular 04/2012 TT_NHNN, credit institutions, foreign bank branches
are not allowed to receive entrusted capital from any of the following entities:
a. Other credit institutions;
b. Overseas organizations;
c. Individuals;
d. Domestic enterprises;
Question 2: Choose the wrong sentence: The bank can perform the operations related to the treasury
as follows:
a. Collecting and paying on behalf of;
b. Transfer money at home and abroad;
c. Currency exchange, money counting;
d. Receive entrustment from customers;
Question: Choose the wrong sentence:
a. Commercial banks are entrusted with legal entities;
b. Custody and deposit services are classic banking services;
c. Leasing safes, safes belonging to financial leasing services;
d. Bank guarantee is a form of credit extension;
Question: Which service belongs to the banking entrustment service:

a. Cash management;
b. Identify an efficient capital structure;
c. Entrust to issue securities for enterprises;
d. Consulting in financial management;
Which of the following services is not part of treasury services of commercial banks :
a. Exchange money at the request of the customer ;
b Liquidation of assets according to the will ;
c.Cash collection at the customer's location ;
d. Remittance abroad ;
Which of the following transactions is not part of treasury services?
a. Transfer money at home and abroad ;
b. Open a payment deposit account ;
c. Exchange money ;
d. Household collection ;
Which of the following banking operations only collect fees, not interest?
a. Factoring ;
b. Loans ;
c. Buy government bonds ;
d. Payment via bank ;
Question What is the method of underwriting of securities that the underwriters follow the
instructions of the issuer to sell all of the securities, otherwise, the entire issuance will be canceled?
a. Guarantee with the highest commitment;
b. Guarantee with firm commitment;
c. Guarantee under the minimum - maximum method;
d. Guarantee in the form of either the sale of all or nothing;
Question A customer deposits gold and has to pay fees to the custodian bank. The relationship
between the bank and the customer is:
a. The relationship between the borrower and the lender;
b. The relationship between the consignee and the depositor;
c. The relationship between the lessor and the
lessee of the safe;
d. Owners and agents;
The service of cash payment from Customer's account to the address requested by Customer is:
a. Payment service using UNT;
b. Recurring UNC billing service;
c. Treasury services;
d. Account management services and safes;
Trustee functions:
a. Master asset management;
b. Manage assets for the benefit of beneficiaries;
c. Preserving valuables;
d. a and b;
Which of the following is not true about commercial deed?
a. Commercial deed is called commercial paper;
b. Usually issued by reputable large enterprises;
c. Enterprises that want to issue commercial certificates need collateral;
d. For businesses with a low credit rating that want to issue commercial certificates, a bank
guarantee is required;
Which statement is not true about agency services:
a. The relationship between the customer and the representative is not as close as in entrustment;
b. An authorized representative on behalf of the customer in each specific case;
c. The agent has more rights over the TS than the fiduciary service;
d. All is incorrect;
Which of the following measures is the most effective to develop a highly secure and reliable
information infrastructure in the banking financial services industry:
e. Expand the supply of products and services;
f. Increase computing speed;
g. Expand sales with multiple supply channels;
h. Add new product applications;
Question What form does the money transfer service take?
a. Investment profession;
b. Foreign currency trading operations;
c. Entrustment business;
d. Consulting profession;
In trust services, which party is the profit and loss business results calculated for:
a. Bank;
b. Client;
c. If there is a loss, the bank will bear, the profit will be enjoyed by the customer;
d. If there is a loss, the customer will bear it, and the bank will enjoy the profit;
Question Banks provide consulting, entrustment, financial investment, gold and silver trading
services mainly for the following purposes:
a. Reduce operational risks;
b. Capital mobilization;
c. Increased liquidity;
d. Diversify revenue sources;
A bill of exchange accepted by a bank is considered a highly secure instrument because:
e. The bank is the person responsible for securing the payment to the beneficiary;
f. Issued and guaranteed by the Government;
g. Low interest rate should be high safety;
h. Be committed by the importer to repay the debt;
Question: Collecting, paying for, transferring money, changing money... What is the service?
a. Commission;
b. Funds;
c. Representative;
d. Advise;
Which of the following is not true about Banker's Acceptance?
a. Not transferable ;
b. For a bank accepting a bill of exchange, agreeing to seal the acceptance is considered a form of
signature credit for the customer who is the issuer ;
c. A bill of exchange issued by an enterprise ;
d. Be stamped "accepted" by the bank on the draft ;
Commercial banks are NOT authorized to entrust, receive entrustment, or agent in the field related
to:
a. Banking activities;
b. Insurance Business;
c. Manage assets in accordance with regulations of the State Bank;
d. Personal trust;
Question Is the consultant legally responsible for the decisions made by the consulted client?
a. Take full responsibility;
b. Take part of the responsibility;
c. Responsibilities will be divided in two;
d. No liability;
Question The team of consulting service department of commercial banks is usually:

a. Any employee working in the NH;
b. Professional, experienced and knowledgeable staff in the fields of consulting services;
c. Senior staff with good achievements in the bank's activities;
d. Elderly employees have worked for a long time and are trusted by everyone;
Question What is the positive impact of diversification of banking services on commercial banks?
a. Risk dispersion; promote the joint development of professions;
b. Increase profits while increasing service expansion costs;
c. Serving customers in a package method, improving quality for customers;
d. Open more branches, easily redirect business;
Sentence Functions of trust:
a. Embrace asset management
b. Manage assets for the benefit of beneficiaries
c. Preserving valuables
d. a and b
Which of the following is not true about the bank safe deposit box service?
a. The procedure is very quick;
b. Assets are guaranteed to be absolutely safe;
c. The cost of using this service is lower than renting a safe;
d. Assets stored in this service are profitable;
Which of the following is not a financial service:
a. Counting money;
b. Guardianship of property;
c. Accreditative;
d. Customer consulting;
Which of the following statements is incorrect about the utility of preserving valuables and valuable
papers at a bank:
a. Customers are not allowed to check the property during the preservation period to ensure safety
and secrecy;
b. The Bank commits to keep confidential information about the customer's TS;
c. To terminate the rental contract of the locker ahead of time;
d. To authorize another person when there is a written authorization in accordance with the law;
Which of the following statements is false about the preservation of assets at a bank?
a. The bank must preserve the absolute safety of the customer's assets. The property must be kept
intact until it is returned to the customer;
b. The bank must be responsible for the legal ownership of the assets deposited with the bank for
preservation;
c. Customer is responsible for fully and timely payment of preservation fee to the bank in
accordance with regulations;
d. If the property box is returned with its lock and seal intact, the customer must be responsible for
the entire quantity and quality of the property contained in the iron box;
Which of the following is a representative service of a bank:
a. Payment of wages to the customer's employees;
b. Distribution of assets on the will;
c. Consulting on real estate purchase and sale;
d. Managing the offices of BC company;
Which of the following sentences is correct:

a. A trust is a trustee who has the right to hold and manage such assets in perpetuity since the death
of the trustee;
b. The representative has the right to perform certain tasks if the client sends a letter of
appointment;
c. For fiduciary services, the trustee has no right to dispose of the assets;
d. The representative has a part of the right to dispose of the client's property;
Question In addition to areas related to banking activities, commercial banks are entitled to entrust,
receive entrustment, and act as agents in related fields?
a. Rental Property;
b. Insurance Business;
c. Buying and selling real estate;
d. Securities investment;
Sentence Choose the correct sentence, the "open" preservation method is:
a. Open a savings account at the Bank.
b. The method has high profitability for customers.
c. The form of money or gold is not profitable during the deposit period.
d. Preserve valuables.
Question Choose the correct answer:
a. Leasing safes to customers is an “open” method of storage in storage and deposit services.
b. The maintenance fee for one box of property for one year is 0.5% of the property's value.
c. The service of preservation and consignment was born to ensure the safety and secrecy of
assets for customers.
d. When the customer receives back the asset box with the lock and seal intact outside the box but
the entire quantity and quality of the assets contained in the box is affected or changed, the bank
must be responsible.
The essence of guarantee services in banks:
a. A special type of credit;
b. A service for the purpose of promoting the bank's brand;
c. The Bank is the third party confirming the contract between the two established transaction
parties;
d. Reducing risks in banking business;
Why is it said that custodial and depository services are a classic type of banking service:
a. Because this is the service that brings the bank the most revenue in the services.
b. Because this is a service that appeared right from the time the bank was born in history.
c. Because customers often go to the bank to ask the bank to perform this service the most.
d. Because this is a service available in all banks.
Which of the following is not true for the benefit of customers when using the service of preserving
valuables:
a. The bank's valuable assets are absolutely safe;
b. Saving space and costs of purchasing equipment to store assets and papers;
c. Periodically check the value of assets by the bank;
d. To benefit from assets during the time of the bank's preservation;
Question: Why do customers use internet banking system in your opinion?
a. Because customers save time in querying account information and records of transactions of the
day;
b. As customers can make all unlimited payments quickly and conveniently;
c. Because customers can make loans right on the system;
d. Because customers can pay service bills within the allowable limit;
D: For the payment of service bills through internet banking, banks do not limit the amount for
customers.
Which of the following are the direct benefits of guarantee services for banks:
a. Bring a large number of transactions;
b. Bring in a source of income;
c. Enhance the reputation and brand of the bank;
d. Easy implementation of customer policy;
Question Difference between investment trust and term savings:
a. When the contract expires, customers who want to continue to entrust their investment do not
need to go through the procedures again;
b. The interest rate on investment trust is higher than that of term savings;
c. Savings deposits have a higher risk than investment trusts;
d. There is no difference, just different names;
Question 1. SMALL financial services

E. Increase the capital of the bank;
F. Reducing the assets of the bank;
G. It both increases capital and reduces the bank's assets;
H. Does not change the capital and assets of the bank.
Question 2. What rights does the trustee have over the trust property?
E. Possession;
F. Possession, use;
G. Settlement;
H. Possessing, using, a part of the right to dispose.
Question 1. Choose the TRUE sentence when talking about arbitrage trading and arbitrage
speculation:
A. These two forms are essentially one because they are used to enjoy exchange rate differences;
B. These two forms are subject to exchange rate risk and require a certain amount of capital;
C. The administrator can determine the profit level due to the exchange rate difference from these
two forms;
D. Currency arbitrage takes place at the same time while arbitrage speculation takes place at two
different times.
Question 2. In January/N, enterprise A has 15,000 USD. Currently, enterprise A has a capital need
of 300 million VND for production and a debt of 10,000 USD to be paid at the beginning of
February/N. What should businesses do to both have money for production and can eliminate
exchange rate risk when paying debts in February/N (knowing that the USD exchange rate is
trending up)?
A. Bank loan of 15 000 USD with floating interest rate for 1 month term;
B. Bank loan of 15 000 USD with interest rate of 1.7%/year for 1 month term;
C. Sign a foreign currency swap contract worth USD 15 000;
D. Deposit 15,000 USD in the bank with the interest rate of 0.25%/year for 1 month term.
Question 1. Choose FALSE when talking about derivative services:

A. Derivatives are a type of financial hedging;
B. Derivative services originate from potential risks in economic contract transactions;
C. Derivative services are always born before a contract transaction;
D. Derivatives services help clients to hedge and minimize financial risks in addition to profit-
making speculation.
Question 2. What are the characteristics of financial services?

A. Revenue from fees, not using capital, on-balance sheet activities;
B. Revenues from fees and interests, capital use, off-balance sheet activities;
C. Income from interest, not using capital, on-balance sheet activities;
D. Income from fees, not using capital, off-balance sheet activities.
Answer: EASY
Explanation : Financial services provide banks with revenue from fees, not from interest, like credit
or investment. In most financial services activities, banks often do not use capital, but only take
advantage of available facilities and advantages from experience. Because it is an off-balance sheet
activity, when the bank performs these activities, it does not change the two sides of the bank's
balance sheet.
LE TRIEU VU
MSSV: 030326100308
Question 1. Services of modern banks are:
E. Accepting deposits;
F. Pay;
G. Commission;
H. Preservation, consignment.
Answer:
Explanation: The services of deposit receipt, payment and preservation and deposit are traditional
banking services, which have existed for a long time. Trust service is one of the services of a
modern bank, playing an increasingly important role and generating more profits for the bank.
Question 2. Choose the wrong sentence:
E. Entrustment contracts are not revocable;
F. The trust maker may retain only part of the control over the assets;
G. Liquidation of assets under a will is a form of trust;
H. In Vietnam, individuals, banks and financial institutions are entitled to entrust capital to invest.
Answer: EASY question
Explain:
- According to Circular 04/2012/TT-NHNN on the profession of trusteeship and trusteeship of
organizations
NGUYEN NGOC THAI NGUYEN
MSSV: 030326100151
Question 1. Choose FALSE. Receive entrustment from individual customers including:
E. Liquidation of assets according to the will;
F. Securities trading;
G. Operate individual trusts under contract;
H. Property guardian.
Answer: REMOVE
Question 2. Choose FALSE . Financial leasing activities must meet one of the following conditions:
A. At the end of the lease term under the contract, the lessee is entitled to transfer the ownership of
the leased asset or continue to lease it as agreed by the two parties;
B. At the end of the lease term under the contract, the lessee has the right to preemptively purchase
the leased asset at a nominal price lower than the actual value of the leased asset at the time of
acquisition;
C. The lease term of an asset must be at least 60% of the time required to depreciate the leased
asset;
D. The total rental amount for an asset specified in the finance lease contract must be at least equal
to the value of that asset at the time of receiving the leased asset.
Answer: EASY
Explanation : The total rent for an asset specified in a finance lease contract must be at least equal
to the value of that asset at the time of signing the contract. (Article 133 of the Law on Credit
Institutions).
DIEP THANH DANH

MSSV: 030326100039
Question 1. What is NOT a consulting service?
E. Low level of risk;
F. Requires a team of banking consultants to be reputable, knowledgeable and professional;
G. Content can be investment advice, purchase and sale, consolidation, merger;
H. The consultant is responsible for the decisions that the consultant makes.
Answer: EASY
Explanation : Legally, the consultant is not responsible for the decisions made by the consultant.
Because this service only provides information and best advice on the areas that customers are
interested in, they need to learn to help customers make accurate, effective decisions and minimize
risks. And the final decision still belongs to the customer and they are the ones who make that
decision, so they are responsible for the results.
Question 2. Choose FALSE:

E. In the trust service, almost all rights on the property are transferred by the owner to the trustee,
retaining only a part of the control of the property;
F. In the representation service, the owner still retains the right over the property, only transferring
to the representative the establishment and performance of a number of civil transactions within the
scope of competence;
G. In practice, trust contracts are often revocable;
H. There are three main types of agency services: contract representation, asset management, and
litigation.
Answer:
Explanation : Trust has a very high legal status, which is strictly governed by legal regulations. The
trustee holds the right to property, possession of the property has a legal basis, the trustee must
comply with the terms of the trust contract or court decisions.
VUONG HOANG ANH

: 030326100018
Question 1: Which of the following is a type of bank guarantee issued by a credit institution to the
guarantor to ensure the obligation to return the advance payment received by the customer to the
guarantor under the signed contract:
E. Payment Refund Guarantee;
F. Payment guarantee;
G. Bid guarantee;
H. Loan guarantee.
Verse 2: Choose the FALSE sentence. The guarantee contract or guarantee commitment of the
guarantor must be signed by:
E. Legal representative;
F. Underwriting risk manager;
G. Guarantee appraiser;
H. Guaranteed person.
Answer: EASY
According to Clause 1, Article 15, “Circular on regulations on bank guarantees” No. 28/2012/TT
Question 1. Choose the TRUE statement about Trust Services:
E. In Vietnam, only commercial banks are allowed to perform entrustment services;
F. In trust services, the trustee (the trustee) does not have the right to possess, use and partially
dispose of the property;
G. Credit institutions or foreign bank branches are authorized by individuals;
H. The entrustor must bear the risk when performing entrustment operations in the field related to
banking activities.
Question 2. Banks are not authorized to entrust or receive entrustment in the field of business:
A. Asset Management
B. Insurance business;
C. Banking activities;
D. Buying and selling real estate.
Answer: EASY
Explanation: The Law on Credit Institutions, Article 106 only states that “Commercial banks are
entitled to entrust, receive entrustment, and act as agents in the fields related to banking activities,
insurance business, and asset management according to regulations. regulations of the State Bank”.
Verse 1 . Which of the following statements false:

a. Financial services include all banking and other financial services (except insurance);
b. When the bank performs financial services, it will not change either side of the bank's balance
sheet;
c. Financial services help banks supplement profits and spread risks in business;
d. Financial services in banks are services associated with banking activities.
Question 2. In what way is the guarantee by the method of selling all or nothing different from the
other guarantee methods?
a. Commitment to buy all issued securities regardless of whether they are fully distributed or not;
b. If the amount of securities sold reaches a ratio lower than the required rate, the entire issuance
will be canceled;
c. If the issued securities are not sold out, the entire issuance will be canceled and the money sold
will be owned by the underwriting organization;
d. If the issued amount of securities is not sold out, the entire issuance will be canceled and the
money sold will be returned to the buyer.
Question 1. Which financial services do commercial banks not need to establish or acquire
subsidiaries or affiliates?
a. Underwriting securities;
b. Consulting services;
c. Insurance;
d. Financial leasing.
Question 2: Choose the TRUE statement:
a. In preservation and deposit services, the Bank still has to pay interest to customers if the
preservation is money;
b. Futures contracts are still traded on the OTC market;
c. An options contract does not oblige its buyer to execute the committed transaction, but an
option premium is required in all cases.
d. Large-scale financial leasing companies are still allowed to contribute capital, buy shares,
establish subsidiaries and associate companies.

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MID-TERM L09-L12 THẦY TUẤN

D. Jones’s checking account is charged $10 monthly for SMS service

A. Bank gains $25 from security investment by price difference.

D. The bank collected $1 million in interest payments from business loans

ẢNH CỦA KHƯƠNG

A. Financial leasing service

C. Financial institution loan

D. Commercial and industrial loan

D.Notes to financial statement

5...................is financial institution's bad-debt reserve, as reported on its balance sheet.

A. Provision for possible loan losses/Allowance loan loss

B. Allowance loan loss /Provision for possible loan losses

C. Reserve Requirements/Provision for possible loan losses

D.Allowance loan loss/Net non-interest expense

A. The borrower's cash flow

B. Assets pledged as collateral

C. Relatives of the borrower

D.The borrowers net worth

7................refers to the delivery of services by a bank to individual consumers rather than to

A. Represertative Offices of Foreign Bank

B. State-owned Commercial BBank

B Written loan policy

A. Fees tor transactions deposit

B. Fees for valuation of mortgagpe assets

C. Fees for issuing limated-life preferred stock

D. Fees for issuing guarantee letter

B. Credit card loans

A. Net Interest Income

B. Net Non Interest Income (thu nhập ròng ngoài lãi)

C. Net Income Afer Tax

D. Net Income Before Taxes

Interest = 5M * Interest Rate = 5M * 6.65% = 332,500)

B. Banks are Ieading repositories of the public's savings

C. Banks have the power to create money.

D. All of the above

A Finding prospective customers

B. Making a site visit and evaluating a customer's credit history

C. Evaluating a prospective customer's financial condition

D. Assessing possible collateral

A Business loans C. Commercial loans

B. Student loans D. Industrial loans

A. Overdraft deposit account

D. None of the above

C.Long-term borrowings at other banks

D. The loan and lease loss allowance

A. A short-tem loans to individuals

(18000$ * (10%-4%)= 1080$)

A. Minimum deposit amount

C. Early withdrawal limitation

D. All of the above

B. Commercial and industrial loans

C. Real estate loans

D. None of the above

B. Non-Bank Credit Institutions

C. Micro Financial Institutions

D. People's credit fund

D. None of the above

A. The intermediation role (vai trò trung gian)

B. The consulting role

C.The payment role

D.The guarantor role

C. $7 (tổng xanh trừ tổng hồng)

A. Revolving line of credit