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Đề thi HP Ngân hàng thương mại1 E - LMS - 22.11.2021

This document is a test for a commercial banking course consisting of 4 problems: 1) Explaining the differences and similarities between deposit sources and borrowed sources for commercial banks. 2) Multiple choice questions about bank accounting terms like provisions for loan losses and types of deposits. 3) A calculation question involving the income statement of a bank with given interest income, expenses, and profit figures. 4) Giving an opinion on the value of formulas in bank lending activities. The test instructions specify it is an online exam on a learning management system, allows 90 minutes to complete, and references may be used.

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Quynh Nguyen
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352 views1 page

Đề thi HP Ngân hàng thương mại1 E - LMS - 22.11.2021

This document is a test for a commercial banking course consisting of 4 problems: 1) Explaining the differences and similarities between deposit sources and borrowed sources for commercial banks. 2) Multiple choice questions about bank accounting terms like provisions for loan losses and types of deposits. 3) A calculation question involving the income statement of a bank with given interest income, expenses, and profit figures. 4) Giving an opinion on the value of formulas in bank lending activities. The test instructions specify it is an online exam on a learning management system, allows 90 minutes to complete, and references may be used.

Uploaded by

Quynh Nguyen
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
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Download as PDF, TXT or read online on Scribd
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BỘ GIÁO DỤC VÀ ĐÀO TẠO ĐỀ THI HỌC PHẦN

TRƯỜNG ĐẠI HỌC KINH TẾ QUỐC DÂN


Ngân hàng thương mại 1_E
Hệ: Chất lượng cao Khoá: 61
Hình thức thi trực tuyến: LMS
Ngày thi: 22/11/2021 Ca thi: 2
Viện Ngân hàng Tài chính Thời gian làm bài: ....90... phút
Bộ môn: Ngân hàng thương mại

Problem 1. (2 points) Explain the differences and similarities between deposit sources and borrowed sources raised by commercial banks.
Problem 2. (4 points) Choose the right option and give brief explanations.
a. The noncash expense item on a bank's Report of Income designed to help prepare for bad loans from customers is called:
A. Provision for investment securities B. Provision for trading asset C. Provision for taxes D. Provision for possible loan losses
b. Banks depend heavily on borrowed funds supplied by customers with little owners' capital invested. This means that banks make heavy use of:
A. Financial leverage B. Capital restructuring C. Operating Leverage D. Margin borrowing
c. The most profitable deposit for a bank is a:
A) Time deposit C) Personal checking account
B) Commercial checking account D) Passbook savings deposit
d. The idea of pricing services that the customers pay no fee or low fee if the deposit balance ramein above some minimum level but pay higher fee if the
average balance falls below that minimum is …
A) Cost plus profit method C) Conditional pricing method
B) Marginal cost method D) Relationship pricing method
Problem 3. (3 points) A bank’s income and expense statement contained the following figures (in $ millions):
Net Interest Income $950
Net Noninterest Income -$300
Increases in bank’s Undivided Profit $200
The bank’s total interest income is twice as large as its total interest expense and its noninterest income is three-fourths of its noninterest expense. Its
provision for loan losses equals 2 percent of its total interest income, while its taxes generally amount to 30 percent of its net income before income taxes.
Calculate the following items for this bank’s income and expense statement:
a. Total Interest Income and Total Interest Expense
b. Total Noninterest Income and Total Noninterest Expense
c. Provision for Loan Losses
d. Net income before tax, tax, dividends
Problem 4. (1 point) Giving your opinion about the value of formula in banks’ lending activity.

Ghi chú:
+ Cán bộ coi thi không giải thích gì thêm. Đề thi được sử dụng tài liệu.
+ Giảng viên trực đề: Trương Thị Hoài Linh. Số điện thoại: 0983005808
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