HĐKDNH

MID-TERM L09-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. Operational 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
3. 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
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 (đầu tư vào thị trường tiền tệ)
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 (vay trả góp)
C. Open-end loan
D. Unsecured loan (vay tín chấp)
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 (Quỹ liên bang)
B. Commercial paper (giấy tờ thương mại)
C. Repurchase agreement (hợp đồng mua lại)
D. None of the above
8. …… are payable on demand whenever the depositor chooses.
A. Demand deposit (tiền gửi không kỳ hạn)
B. Time deposit
C. Mobile banking
D. Online banking
9. Andy opened the savings account with 10 million VND at XYZ 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?
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 (trả lãi định kỳ theo quý)
10. Specific property that secures the loan is called…..
A. Collateral (tài sản thế chấp)
B. Loan term
C. Interest rate
D. Liquidity (thanh khoản)
11. A bank is a … for safeguarding, transferring, exchanging, or lending of money.
A. Credit union (tổ chức tín dụng)
B. Financial intermediary (trung gian tài chính)
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 (chứng chỉ tiền gửi)
B. Certificate of incorporation (giấy chứng nhận thành lập)
C. Installment loan (vay trả góp)
D. Bank account
13. Which of the following statements 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
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 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 expense
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

MID-TERM 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?
A. Liquidity risk 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:
A. Loan purpose B. Maturity dates C. Economic entity D. Quality of loan
3. Which of the following transactions do not affect interest income of commercial

bank?
that it
made earlier this year.
customers.
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
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 the 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 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
A. Collateral B. Loan term C. Interest rate D. Liquidity
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

known
as the intermediation role.
A. Joint account B. Single account C. Checking account D. Check 21
A. Technology, competition, criminal B. Competition, criminal, mergers
C. Mergers, technology, competition D. Mergers, criminal, technology
performing?
A. Finding prospective customers B. Making a site visit and evaluating a customer’s credit
history
17. People who put money into banks are called….
A. Spread B. Niche market C. Bank staff D. Depositors
A. Transaction accounts and time accounts B. Transaction accounts and time deposits
C. Transaction accounts and time account D. Transaction deposit and time deposits
A. Insurance company B. Credit union C. Commercial bank D. Mutual savings bank
20. Which are principal roles of bank’s investment portfolio played in banking operation?
A. Income stability B. Offset credit risk C. Backup liquidity D. All of the above
A. Mergers, technology, competition B. Mergers, criminal, technology
C. Technology, competition, criminal D. Competition, criminal, mergers
22. People who put money into banks are called……………………………….
A. Bank staff B. Depositors C. Spread D. Niche market
A. Transaction accounts and time account B. Transaction accounts and time accounts
C. Transaction accounts and time deposits D. Transaction deposit and time deposits
A. Loan term B. Interest rate C. Liquidity D. Collateral
25. 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?
A. Credit risk B. Market risk C. Liquidity risk D. Operation risk
26. Which factors affecting choice of investment securities?
A. Tax exposure B. Call risk (RR thu hồi) C. Inflation risk D. All of the above are true
27. Which kind of trust service is established by a will and takes effect at the donor’s death?
A. Testamentary trusts B. Trustors C. Charitable remainder trusts D. Living trusts
28. Which of following transactions do not affect interest income of commercial bank?
that it
made earlier this year.
customers.

29. An ………….. is a loan for which the amount of the payments, the rate of interest, and
the
number of payments are fixed.
A. Open-end loan B. Education loan C. Installment loan D. Unsecured loan
30. For many years, banks have used ….. to evaluate the potential creditworthiness of loan
applicants.
A. Modern portfolio theory B. Credit-scoring systems
C. Predatory lending D. Bank products
31. …… are payable on demand whenever depositor chooses.
A. Demand deposit accounts B. Time deposit
C. Mobile banking D. Online banking
A. Credit union B. Financial intermediary
C. Finance company D. Central bank
33. …. 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. Certificate of incorporation B. Installment loan
C. Certificates of deposit D. Bank account
34. Which of following statement is NOT CORRECT about banking operation?
A. Banks that sell deposits and make loans to individuals, households and small businesses
are
known as retail banks
B. The role performed by banks in the economy in which they transform savings into credit is
known
as the intermediation role.
C. Bank’s assets include cash, loan, fixed asset and deposit from customers.
A. Joint account B. Single account C. Checking account D. Check 21
36. Andy open the saving account with 10 million VND at XYZ 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?
B. Periodically pay with monthly compounding interest
C. Periodically pay with quarterly compounding interest
D. Pay once at the beginning of the period
performing?
A. Finding prospective customers
B. Making a site visit and evaluating a customer’s credit history
38. 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:
A. Loan purpose B. Maturity dates C. Economic entity D. Quality of loan
39. Which are the principal roles of a bank's investment portfolio played in banking
operation?
A. Income stability B. Offset credit risk C. Backup liquidity D. All of the above
40. Find the compound interest on $1000 at the rate of 8% per year for one and a-haft years
when interest is compounded half yearly?
A. $124.86 B. $120.00 C. $127.04 D. $1124.86
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.
12. Anthony opens a savings 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? Deposit
and non-interest expense
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.
16. 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: An overnight loan.
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 quận 1
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
4. 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
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
C. Cooperative bank
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
11. Antony opens saving account of $1000 for I yeat and roocives upfiont interest of
$100. Which two accounts onthe hank's financial statement are going to be affected?
A. Deposit and non-interest income
B. Deposit and non-interest expense
C. Deposit and interest income
D. Deposit and interest expense
performing?
A Finding prospective customers
B. Making a site visit and evaluating a customer's credit bistory
C. Evaluating a prospective customer's financial condition
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
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 for one year.
A.$1,080.00
B.$990.00
C. $900.00
D.$1,710.00
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
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-half 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 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
D. $32
33. Andy epen 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?
B. Pay once at the beginning of the period
C. Periodically pay with quarterly compounding interest
D. Penodically pay with monthly compounding interest
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.
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.
36. Along with Eurodollar borrowings, Fed funds purchased (việc mua quỹ Fed) is an
example of………..
A. Security Holdingsk
B. Nondeposit borrowings (vay không ký quỹ)
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
Casb in vault
SS (cú)
Capital Surplus
$5
DepositsS400
38. What is this bank's primary reserve?
A. $10
B.S15
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
5,
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, 2023: 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
21. The balance at the end of the May 22, 2023 is:
b) Account balance 30 million debt 110 out 60
d) Account balance 90 million
22. The balance at the end of the May 26, 2023 is:
(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 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 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. 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
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?
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. Why besides reviewing credit records, credit officers need to interview customers to
decide whether or not to lend money to customers?
a) Because the client never submits the 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 to check the authenticity and collect 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 collection solutions for credit institutions
12. To ensure debt recovery, 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 trademarks, corporate advantages, and reputation of directors
c) Secured by 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. 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
16. In credit operations, the price of a credit depends on
a) How to calculate and collect the bank's interest
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 according to the contract but the bank has no money to
disburse
18. What is the requirement of enterprises to provide financial statements in their loan
documents?
a) Assess the financial position of the enterprise
b) Assess the legality of enterprises
c) Evaluating the effectiveness of the loan plan
d) Assess the reputation of enterprises in transactions
19. During the passage of the following is responsible for the management, review and
rate the loan?
a) Credit analysis b) Credit decision c) Credit monitoring d) Disbursement
20. The labor contract 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
21. 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.
22. 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
23.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
24. 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
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
27. 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
28. 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
29. 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
30. 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
31. What is the form of a 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
32. The transfer of an amount of money into an escrow account at a bank to secure loan
repayment obligations is called a form of security?
a)Pledge
b) Mortgage
c) Escrow
d) Make a bet
33. When analyzing the repayment ability of customers, which factor will commercial
banks consider as the first source of debt repayment?
a) All assets owned by the borrower
b) Value of secured property
c) Borrower's reputation
d) Cash flow from loan option
34. 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
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
1. Credit institutions are not allowed to carry out any of the following
activities?
a. Leasing part of the business premises
b. Real estate business
c. Trading in valuable papers
d. Purchase of real estate for business headquarters
2. Which of the following statements is incorrect about the operation of

commercial banks
a. Use mobilized capital to contribute capital, buy shares
b. Open an account for payment at another credit institution
c. Issuance of certificates of deposit, promissory notes, bills and bonds to raise capital
d. Providing financial advice
3. Based on the business strategy, can commercial banks be divided into

categories?
a. State-owned commercial banks, joint-stock commercial banks, joint venture

commercial banks and branches of foreign commercial banks
b. Central commercial banks, provincial-level commercial banks, district-level

commercial banks and grassroots-level commercial banks
c. Wholesale commercial banks, retail commercial banks and commercial banks both
wholesale and retail banks
d. Private commercial banks and state commercial banks
4. Which of the following statements is true when discussing commercial

bank capital?
a. means all monetary sources established by commercial banks for lending,

investment and provision of banking services
b. It is the entire source of money created by commercial banks for lending and
business.
c. Means all monetary sources created by commercial banks for investment and
trading in securities.
d. Means all monetary sources created by commercial banks for lending and
investment
5. In Vietnam, the operation of any financial institution is similar to that of

an investment bank?
a. Insurance companies
b. Securities companies
c. Financial leasing company
d. Commercial banks
6. The basis used to classify banks into commercial banks, commercial banks
and cooperative banks is:
a. Area of operation
b. Business methods
c. Banking operations
d. Operational objectives
7. Which of the following valuable papers can commercial banks buy and
sell?
a. Government bonds
b. Unlisted corporate shares
c. Passbook
d. Gold
8. Which of the following activities falls under the bank's capital mobilization
operations
a. Purchase of securities of listed enterprises
b. Financial leasing
c. Lending capital to individuals and organizations
d. Issuance of valuable papers

9. Credit activities do not include any of the following?
a. Cash reserves
b. Financial leasing
c. Discounting valuable papers
d. Loans
10. According to current regulations, domestic commercial banks shall be

established and organized in the form of:
a. JSC or Limited Liability Company
b. JSC or Private Company
c. 1-member JSC or Limited Liability Company
d. State company or 1-member limited liability company
11. International payment services include:
a. Exchange of Pay Now Documents (Trust)
b. All is true
c. Letter of Credit and Collection of Documents
d. Telegraphic Transfer (T/T)
12. How to distinguish between trading deposits and non-trading deposits?
a. The amount of interest received
b. Only retail clients can use non-trading deposit accounts
c. Purpose of deposit
d. Depositing Customers
13. Which of the following is incorrect when talking about the difference
between term deposits (TGCKH) and demand deposits (TGKKH)?
a. TGCKH is a source of capital of a bank with a lower cost than TGKKH
b. TGKKH: customers are entitled to interest rates but must pay fees to the bank
c. Normal TGCKH interest rate is higher than TGKKH
d. The stability of TGCKH is higher than that of TGKKH
14. Corporate customers may not own any of the following types of deposits
a. Savings deposits
b. Certificate of deposit
c. Payment Deposits
d. Time deposits
15. Which items are not included in the bank's "Liabilities":
a. Bank-issued bonds
b. Redemption Agreement
c. Common Shares
d. Time deposits
16. A Business A in Ho Chi Minh City HCMC wants to pay for goods to
suppliers in a northern province with a value of VND 10 billion. What means
should businesses use?
a. Collection mandate
b. Expenditure mandate
c. Traveler's Cheques
d. Bank cards
17. Which of the following channels can banks raise capital?
a. Issuance of valuable papers
b. All are true.
c. Borrowing from other banks
d. NTTW loan
18. What factors affect the source of deposits?

a. All answers are correct
b. Public trust in the bank
c. Interest rate and quality of banking services
d. Market competitiveness and other external factors
19. Commercial banks operate mainly by:
a. Loans in the interbank market
b. Own capital contributed by shareholders
c. Budget capital allocated
d. Capital mobilized in the economy and society
20. The payment by check will:
a. Faster than paying with a spending mandate
b. There is insufficient basis to conclude the above points
c. All forms of payment are equal
d. Slower than ATM payment
21. Based on the method of credit repayment is divided into:
a. Recurring credit
b. Installment credit
c. All 3 points above
d. Installment fee credit
22. What is not characteristic of bank credit?
a. Risks in TDNH are inevitable and cannot be eliminated
b. The repayment of both principal and interest
c. The borrower shall only repay the debt when requested by the bank
d. The refund is unconditional.

23. What is not the condition of the collateral?
a. Legality
b. Liquidity
c. Calculating the value
d. Invisibility
24. What is the form of credit classified according to customer credit level
a. Short-term credit
b. Consumer credit
c. Installment credit
d. Unsecured Credit
25. Which of the following operations is an indirect credit operation?
a. Financial leasing
b. Loans under overdraft limits
c. One-time loans
d. Discount of negotiable instruments
26. Which credit operations of banks are considered off-balance sheet

operations?
a. Guarantee
b. Lend
c. Factoring
d. Discounts
27. According to the provisions of the Law on Credit Institutions 2010,

discounts are:
a. Priced paper-secured loans

b. Purchase term and do not reserve recourse to the beneficiary's negotiable
instruments before payment is due
c. Term sale and non-recourse of beneficiary negotiable instruments before payment is

due
d. Term purchases or purchases with recourse to negotiable instruments by

beneficiaries before payment is due
28. Credit means a transaction whose conditions for its formation are:
a. The borrower must have collateral
b. The borrower must have credibility
c. All of the above statements are true
d. The borrower must have an acquaintance
29. Credit is a debt relationship between 2 economic entities that is the

decisive factor to be formed?
a. The debtor has a lawful purpose of using capital
b. Reputable debtors
c. The debtor has collateral
d. Whether the debtor uses capital for the right purposes
30. In terms of credit value morphology, which of the following forms is

different from the rest?
a. Guarantee
b. Factoring
c. Discounts
d. Loans
31. Safety provisions in credit policies include:
a. Credit Grade Limits

b. Regulations on credit granting process, problematic debt settlement process within
banks
c. All of the above points are true
d. Regulations on forms and measures of credit security
32. The letter C in the CAMPARI rules has the meaning of:
a. All the remaining answers are wrong
b. Culture
c. Credit:
d. Status of the borrower (Character)
33. What are the factors affecting bank credit activities
a. Own capital and internal conditions of the bank
b. All 3 points above are correct
c. Business objectives and strategies of the bank
d. The domestic socio-economic environment and the trend of international

integration in the banking sector
34. Which of the following operations is an indirect credit business
a. One-time loans
b. Discount of negotiable instruments
c. Financial leasing
d. Lending under overdraft limit
35. How is the risk compensation fee calculated:
a. The sum of the probability of default and the amount of loss in default
b. The product of the probability of default and the amount of loss when defaulting
c. Difference of probability of default and loss when defaulting
d. Quotient of the probability of default and the amount of loss in default

36. What is the significance of the credit granting process in commercial
banks' credit activities?
a. Has significance as the basis for delimitation of responsibilities and powers of

relevant departments in credit activities
b. Significant as a basis for evaluating the bank's performance
c. Significance in determining the profitability of the bank
d. Extremely important because without it banks cannot lend
37. None of the following risks fall under financial risk to the bank
a. Interest rate risk
b. Strategic risk
c. Liquidity risk
d. Credit risk
38. What risk is not a market risk:
a. Activities
b. Liquidity
c. Interest Rate
d. Exchange Rate
39. Credit risk includes:
a. Portfolio and business risks
b. Trading risks and guarantees
c. Trading and portfolio risks
d. Selection, Trading and Portfolio Risks
40. Under current law, loans are classified into several groups of debts in
order of increasing the level of risk:
a. 3
b. 5
c. 7
d. 4
41. Bancassurance is:
a. The combination of deposit and insurance operations
b. The combination of money transfer and insurance operations
c. The combination of credit and insurance operations
d. The combination of banking and insurance operations
42. The payment service from the customer's account to the addresses
requested by the customer is:
a. Account management and safe services
b. Treasury Services
c. Authorized collection payment service
d. Recurring payment mandate payment service
43. Money exchange and counting services are services
a. Trust Services
b. Account Money Management Services
c. Treasury services (cash management)
d. All are true
44. Which of the following services is not part of the commercial bank's
treasury service:
a. Transfer money abroad
b. Liquidation of assets pursuant to the will
c. Exchange currency at customer's request
d. Cash letter at customer's location

45. What is the right answer when talking about direct investment activities
of banks?
a. Execution of the Repo contract
b. Establishment of affiliated companies
c. Investment in Government Bonds
d. Investment in Treasury bills
46. Which of the following activities of commercial banks must be carried out
through the establishment of subsidiaries?
a. Provision of factoring services
b. Securities brokerage
c. Forex Trading
d. Real estate business
47. Activities other than financial investment activities of Vietnamese

commercial banks include:
a. Buying and holding shares of other credit/banking institutions
b. Capital contribution to purchase shares of enterprises
c. Securities underwriting consultancy
d. Investment in financial markets
48. Which of the following types of contracts does not belong to derivatives?
a. Futures
b. Swap contracts
c. Credit Agreement
d. Options Contracts
49. Which asset classes are highly liquid and have low profitability?
a. Government bonds
b. Corporate bonds
c. Contributing business capital to an unlisted enterprise
d. Gold, foreign currency
50. Holding, managing assets and administering assets for the benefit of
beneficiaries is the function of any service;
a. Representative Services
b. Account Money Management Services
c. It's all wrong
d. Trust Services
51. Which of the following statements is incorrect about derivatives?
a. Derivatives are always born before an underlying contract transaction
b. The introduction of derivatives stems from potential risks in contract transactions in

the economy.
c. Derivative instrument means a type of financial risk insurance when executing

economic contracts
d. Using derivatives will help customers hedge and minimize financial risks
52. What is the maximum capital contribution ratio of a bank compared to

the value of its own capital and reserve funds?
a. 40%
b. 50%
c. 30%
d. 60%
53. Which of the following is not the purpose of securities investment

activities for commercial banks?
a. Minimizing focus risk
b. Provide liquidity to banks when needed

c. Regulation of the stock market
d. Diversification of profitable activities
54. What is the significance of securities investment activities for commercial

banks?
a. Customer Service Development
b. Provide liquidity as needed
c. Minimizing risks in investment
d. Brand enhancement
55. The meaning of securities investment activities for commercial banks is

to:
a. Diversify profitable activities
b. Increase profits
c. Provide liquidity as needed
d. The above sentences are true
56. Which sentence is incorrect for savings deposits?
a. Customers deposit money for the purpose of profit
b. Customers send money for safety purposes
c. The Customer may use the means of payment
d. The Client may withdraw funds at any time without prior notice
57. The type of cheque guaranteed by the bank to be paid to the beneficiary
by freezing the amount of the cheque issuer at the bank is:
a. Checks
b. Cash checks
c. Slashed checks
d. Order checks
58. A bank's capital mobilization activities are:
a. Financial leasing
b. Discounting priced documents
c. Lending capital to individuals and organizations
d. Issuance of valuable papers
59. Differences between debit and credit cards:
a. Credit cards used to grant credit, debit cards used to pay off debts
b. Credit cards do not require customers to have funds on the account to be used, debit
cards require customers to have funds on the account to be used
c. Credit cards issued by credit institutions, debit cards issued by banks
d. TD card requires customers to have money on the account to be used, debit cards do
not require customers to have money on the account to be used
60. “........................ is an unconditional payment order sheet, signed by a

client of the bank ordering the bank to deduct a certain amount from its
account to pay the designated person."
a. Payment Order
b. Bill of Exchange
c. Cheque (Check)
d. Letter of Credit (L/C)
61. Magnetic and electronic cards are distinguished from each other in:
a. The origin of the amount on the card
b. Card usage
c. Techniques for reading and retaining information on cards
d. Card payment method
62. Which of the following characteristics is of e-PTTT:
a. Cardholders are entitled to deferred payment

b. The seller's account will be credited after a certain number of days
c. Used in conjunction with electronic cards
d. There is no separation between transaction time and settlement time
63. The net LS that the borrower pays depends on:
a. LS Notice
b. Fees included in the loan process
c. Method/method of bank calculation of interest
d. The above sentences are true
64. A customer using a shopping card at a supermarket, the value of goods is

immediately debited to the payment account of the cardholder and credited
to the supermarket's account. The type of card and PTTT are:
a. TD card and electronic PTTT
b. Debit cards and mechanical PTTT
c. TD card and mechanical PTTT
d. Debit cards and e-PTTT
65. The similarities in the method of payment of checks and payment

mandates are:
a. Payment documents issued by debtors
b. Possibility of encountering fake documents
c. Transferred directly in the transaction
d. All of the above statements are true
66. Banks invest in fixed-yield securities such as government bonds. When

the market LS rises, how will it affect the market price of previously issued
debt securities:
a. Lowering the market price of debt securities
b. Increases the market price of debt securities

c. No change in the market price of debt securities
d. All of the above points are wrong
67. Companies that buy or sell foreign currency forward contracts are to:
a. Asset Management
b. Operating assets for the benefit of beneficiaries
c. a and b are wrong
d. a and b are correct
68. In securities underwriting, NH:
a. It is mandatory to offtake all issued securities
b. It is mandatory to carry out procedures for offering and selling and offloading all
issued securities
c. Whether or not it is fully consumed depends on the type of underwriting provided

by the bank
d. All of the above points are correct
69. Functions of a trust:
a. Asset Management
b. Operating assets for the benefit of beneficiaries
c. a and b are wrong
d. a and b are correct
70. Arbitrage operations – exchange rate difference trading are:
a. Banks invest their own capital for business
b. Regularly takes place based on NH predictions
c. Do not pose exchange rate risk to banks
d. Always create foreign exchange positions

71. None of the following risks fall under market risk according to the Basel
committee:
a. Forex Risks
b. Commodity risk
c. Interest Rate Risk
d. Operational risk
72. A customer deposits gold safely in NH. The relationship between banks
and customers is:
a. Relationship between borrower and lender
b. Relationship between consignee and depositor
c. Relationship between lessor and safe tenant
d. Principal and agent
73. When analyzing the repayment capacity of customers, commercial banks

will consider which factors are the first source of debt repayment:
a. The entire property is owned by the borrower
b. Collateral value
c. Cash flow from the loan plan
d. a b c true
74. The type of risk related to customer appraisal and analysis before making
a credit grant decision is called:
a. Credit risk
b. Risk of choice
c. Business risks
d. Security risk
75. Credit institutions contribute capital to purchase shares of enterprises by:
a. Charter capital, reserve funds and mobilized capital

b. Charter capital and reserve fund
c. Charter capital and mobilized capital
d. Charter capital, reserve funds and borrowed capital
76. Credit institutions shall classify debts by five (05) groups as follows:
a. Qualifying debt; Substandard debt; Debt needs attention; Doubtful debt; Debt with
potential loss of capital
b. Qualifying debt; Debt needs attention; Doubtful debt; Substandard debt; Debt with
c. Qualifying debt; Debt needs attention; Substandard debt; Doubtful debt; Debt with
d. Qualifying debt; Doubtful debt; Debt needs attention; Substandard debt; Debt with
77. The objectives of financial investment activities of commercial banks are:
a. Risk dispersal
b. Increase income, make more profits
c. Create liquidity
d. All are true
78. Which of the following types of contracts falls under the category of
derivatives:
a. Contract of Guarantee
b. Mortgage agreement
c. Options
d. Credit Agreement
79. The bank's operations include:
a. Treasury, credit and securities investment
b. Treasury, loans and bank guarantees

c. Mobilization of deposits, loans and securities brokerage
d. All are true
80. Which of the following states the difference between a check and an
expenditure mandate
a. The subject makes a decent payment order
b. The likelihood of fake documents in checks is higher than in payment mandates
c. Cheques are transferred directly in the transaction, but payment authorizations are
not
d. Sentences b and c are correct
81. Significance of securities investment activities for commercial banks to
a. Provide liquidity when needed
b. Diversify profitable activities
c. Risk dispersion in capital use
d. The above sentences are all true
82. Which of the following factors most strongly determines the choice of
bank to open a current deposit account
a. Interest rate on deposits
b. Account maintenance minimum balance
c. Flexibility and variety of means of payment
d. Interest calculation method
83. Which of the following statements specifies the nature of trading deposits
a. Balance fluctuates abnormally
b. To use the means of payment through banks
c. Non-payment of interest/low interest payment
d. All sentences are incorrect

84. Diversification in credit portfolio structure
a. Banks easily grasp the characteristics of the customers they choose to lend to
b. Banks easily grasp the characteristics of the industry in which they choose to lend
c. Banks leverage their insights into a certain market segment
85. According to SBV's current regulations, credit institutions are not

required to maintain
a. CAR minimum capital adequacy ratio and short-term capital ratio for medium-term
loans
b. Credit grant limits and share purchase capital contribution limits
C. A and B are both correct
d. It's all wrong
86. None of the following operations are debtors/source generators of banks
a. Deposit mobilization
b. Discounted price of priced sheets
c. Borrowing in the interbank market
d. Issuance of shares
87. Which of the following operations is the internal business of commercial

banks
a. Buy corporate bonds
b. Investment Consultancy
c. Safe rental
d. Loan guarantee
88. Which of the following statements is incorrect about options contracts
a. In an options contract, the option buyer pays the seller an amount called the option
cost
b. The commodities applicable in the case of options can be stocks, stock indices
c. The two parties buying and selling are required to execute the committed
transaction
d. An option contract is an instrument that allows its holder to buy or sell a certain
volume of a commodity at a specified price and for a certain period of time
89. Which of the following instruments is considered an internal instrument to

help banks reduce credit portfolio risks
a. Securitization of debt
b. Credit Risk Swaps
c. Purchase and sale of debt
d. None of these tools
90. Which of the following statements is not true
a. In essence, interest rates are a type of price and are influenced by supply and
demand relations
b. The basic interest rate is the highest interest rate that the bank applies to reputable
customers
c. The base rate is the floor of the lending rate
d. The prime interest rate indicates the minimum amount of income on the amount
lent by the bank
91. Basel standards can help banks
a. Improve and improve risk management capabilities
b. Branch network expansion
c. Development of new products and services
d. Ensuring cybersecurity in electronic transactions worldwide
92. None of the following services are not part of the commercial bank's
treasury services
a. Exchange currency at customer's request

b. Payment of property under the will
c. Cash collection at customer's location
d. Transfer money abroad
93. None of the following activities of commercial banks must be carried out
through the establishment of subsidiaries
a. Real estate business
b. Securities Trading
c. Forex Trading
d. Provision of factoring services
94. A customer deposits large sums of money in a bank for the purpose of each
month contributing more gradually to save after several years to cover the cost
of sending his children to study abroad, the appropriate deposit product is
a. Term savings
b. Flexible principal and interest withdrawal savings
c. Installment savings
d. Saving time deposits
95. ABC company needs the bank to finance capital to fulfill new orders after
deferred sales to agents, the bank will grant credit to ABC company in the
form of
a. Additional working capital loans
b. Slideshow
c. Contract performance guarantee
d. Factoring
96. Which of the following operations is the internal business of commercial

banks
a. Buy corporate bonds

b. Investment Consultancy - external
c. Safe rental - external
d. Loan guarantee - external
97. Credit and debit cards can be distinguished by any of the following
characteristics
a. Payment use of the card
b. Payment usage of cards
c. Card payment techniques
d. The origin of the amount on the card
98. Treasury bills are issued in order to
a. Raising capital for the company
b. Serving the development investment needs of the company
c. Making up the shortfall of the State Budget
d. Increase expenditure for the company
99. The development of an internal rating system aims to
a. Staff management in the bank
b. Manage all your bank's customers
c. Ensuring network security for the e-banking system
100. Which of the following items falls under the capital of commercial banks
a. Client's L/C Open Margin Deposit
b. Deposits at other commercial banks
c. Joint venture capital contribution with other credit institutions
d. Purchase of shares of affiliated companies

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MID-TERM L09-THẦY TUẤN

A. Liquidity risk (Rủi ro thanh khoản)

B. Maturity date (ngày đáo hạn)

3. Which of the following transactions do not affect interest income of commercial

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

A. Back-end load maturity policy

B. Front-end load maturity policy

C. Capital market investment

B. Installment loan (vay trả góp)

D. Unsecured loan (vay tín chấp)

A. Federal Funds (Quỹ liên bang)

B. Commercial paper (giấy tờ thương mại)

C. Repurchase agreement (hợp đồng mua lại)

D. None of the above

8. …… are payable on demand whenever the depositor chooses.

A. Demand deposit (tiền gửi không kỳ hạn)

B. Pay once at the beginning of the period

C. Periodically pay with monthly compounding interest

10. Specific property that secures the loan is called…..

A. Collateral (tài sản thế chấp)

D. Liquidity (thanh khoản)

11. A bank is a … for safeguarding, transferring, exchanging, or lending of money.

A. Credit union (tổ chức tín dụng)

B. Financial intermediary (trung gian tài chính)

A. Certificates of deposit (chứng chỉ tiền gửi)

B. Certificate of incorporation (giấy chứng nhận thành lập)

C. Installment loan (vay trả góp)

14. An individual account, sometimes called…………., is owned by one person.

A. Technology, competition, criminal

B. Competition, criminal, mergers

C. Mergers, technology, competition

D. Mergers, criminal, technology

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. Transaction accounts and time accounts

C. Transaction accounts and time account

D. Transaction deposit and time deposits

19. Which financial institution is not a depository intermediary?

D. Mutual savings bank

B. Offset credit risk

D. All of the above

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?

C. Mutual savings bank

A. On-balance sheet activities

B. Off-balance sheet activities

A. Capital market investment

B. Money market investment

C. Back-end load maturity policy

D. Front-end load maturity policy

28. Which statement is not true about trust services?

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.