Scribd Logo
Upload

Welcome to Scribd!

  • 4 views

    Ueh University: Course: Commercial Banking Class

    Uploaded by

    Mai Hiếu Trinh
    The document is an end-of-term exam for a commercial banking course containing 10 questions. The questions cover topics such as the core activities of commercial banks, types of bank accounts, Basel capital standards, factors affecting interest rates on loans and deposits, open-end and close-end credit, calculating interest, and creating a loan payment schedule.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd

    Ueh University: Course: Commercial Banking Class

    Uploaded by

    Mai Hiếu Trinh
    4 views2 pages
    The document is an end-of-term exam for a commercial banking course containing 10 questions. The questions cover topics such as the core activities of commercial banks, types of bank accounts, Basel capital standards, factors affecting interest rates on loans and deposits, open-end and close-end credit, calculating interest, and creating a loan payment schedule.

    Original Description:

    Banking test

    Original Title

    Banking

    Copyright

    © © All Rights Reserved

    Available Formats

    PDF, TXT or read online from Scribd

    Did you find this document useful?

    Is this content inappropriate?

    The document is an end-of-term exam for a commercial banking course containing 10 questions. The questions cover topics such as the core activities of commercial banks, types of bank accounts, Basel capital standards, factors affecting interest rates on loans and deposits, open-end and close-end credit, calculating interest, and creating a loan payment schedule.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    4 views2 pages

    Ueh University: Course: Commercial Banking Class

    Uploaded by

    Mai Hiếu Trinh
    The document is an end-of-term exam for a commercial banking course containing 10 questions. The questions cover topics such as the core activities of commercial banks, types of bank accounts, Basel capital standards, factors affecting interest rates on loans and deposits, open-end and close-end credit, calculating interest, and creating a loan payment schedule.

    Copyright:

    © All Rights Reserved
    Download as PDF, TXT or read online from Scribd
    Download as pdf or txt
    of 2

    UEH UNIVERSITY

    SCHOOL OF BANKING

    END-OF-TERM EXAMINATION
    Course: Commercial Banking
    Class: 22D1BAN50604903

    1. What is the difference between commercial banks and other financial institutions?
    Describe the core business activities of commercial banks.
    2. Describe the similarities and disfferences of Certificate of deposit (CD), Money
    Market Deposit Accounts (MMDAs) and Saving account?
    3. According to Basel II and Basel III, what is the safety ratio of risk-weighted assets to
    capital mobilization of a commercial bank? How Vietnamese commercial banks apply
    Basel standards?
    4. Why do banks pay low interest rate for current accounts? Why the interest rate of long-
    term loans is usually higher than the interest rate of short-term loans?
    5. What is the difference between Open-end Credit and Close-end Credit? Give the
    examples and application for these credit methods. In your opinion, how many credit
    cards are too many? Explain your reasoning.
    6. How do loans affect a bank’s income? Why is liquidity risk considerable inportance to
    a bank’s loan policy? According to Vietnamese Law on credit institutions, can
    commercial banks use short-term deposits for long-term loans?
    7. What is the difference between prime rate and subprime rate and how they are applied?
    Describe the five Cs credit criteria in leanding process. Why might underwriting
    standards vary at different banks?
    8. What is the difference between APR and Financial Charge? How can a consumer find
    the best deals on credit?
    9. Calculating interest for customer's current deposit account in May and June 2020,
    knowing the interest rate of TT deposit is 1.5%/year, one year interest calculation days
    are 365 days. The bank calculates interest on the 25th of every month and the
    transactions arising on the account are as follows:

    Account balance (VND) 128.000.000


    09/05/20 Receiving sales revenue 553.000.000
    12/05/20 Payment for staff salary 158.600.000
    12/05/20 Payment for raw materials 282.800.000
    16/06/20 Receiving sales revenue 329.000.000
    18/06/20 Payment for electricity 25.389.000
    25/06/20 Cash deposit 30.000.000
    10. A customer applied for a 2 year consumer loan to buy a new car. The information in
    the loan contract is as follow:
    – Car price (loan amount): 580.000.000 VND
    – Interest rate: is 12,3%/annum
    – Monthly payment: in equal amount that includes interest and a portion of the
    principal.
    Question:
    a. What is the monthly installment?
    b. Create a payment schedule for the customer.

    The end
    GOOD LUCK!

    You might also like