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WorksheetsBANK LENDING QUIZ
Total questions: 16
Worksheet time: 11mins
Banks are financial intermediaries between
Debtors and borrowers
Debtors and creditors
Surplus and deficit units
Individual and corporate
The following are the characteristics of Hire Purchase for consumer loan EXCEPT
Borrowers who take on financing
Penalty is imposed on overdue installments with its interest charged on a daily basis
Interest normally charged at agreed rate-floating
Normally loan period is 9 years
Which of the following is TRUE about 5’Cs credit?
Character, Capacity, Capital, Conditions, Collateral
Character, Capacity, Capital, Conditions, Commitments
Character, Capacity, Capability, Conditions, Capital
Commitments, Capacity, Capability, Conditions, Collateral
The following factors affected Loan assessment, EXCEPT
Industry and economic outlook
Value of the customer
Repayment capacity
Appearance of the customer
The source of repayment in a financing project proposal should generally be from
Dividend income
Owner and guarantors of the business
Liquidation of assets
Cash flow generated through business operation
Credit information of customers can be appropriately obtained from various sources EXCEPT through
Bank’s database
Customer’s application form
Another bank’s internal database
Business journal
As collaterals, shares are divided into quoted and unquoted shares. The following is the quoted shares, EXCEPT
Bursa Malaysia
New York Stock Exchange
London Stock Exchange
Private Limited Companies
A good security needs to have the attribute of
Volatility (Mudah berubah)
Enforceability (Boleh dikuatkuasakan)
Efficiency (Bersifat cekap)
Restrictiveness (Bersifat membatasi)
“Done when borrower fails to act on letters sent".
This statement refer to?
Bills.
Letters.
Telephone calls.
Collection agencies.
Which of the following is collection techniques that requires a banker to visit borrowers personally to demand payment?
Personal meeting
Collection agencies
Lien holder’s caveat
Personal Visits
Prior to creating a legal charge, it is important to conduct a land search at the relevant land office. Which of the following is the purpose of conducting a land search?
To protect the bank’s interest.
To make sure that proper and complete legal documentation is in order.
To ascertain approval from bank’s approving authority.
To determine the restriction in interest and conditions affecting the document of title.
Which of the following is the purpose of loan agreement?
To standardize the loan products.
To determine the amount of loan eligible to the borrowers.
To allow bank lender to add additional terms and conditions that may not appear in standard documents.
To impose additional charge on loan agreement.
Under Bank Negara Malaysia, when borrowers ignore the cooperative workouts and those liquidated collaterals are insufficient to cover the outstanding loan owed to the bank is refer to _________________.
Non-performing loans
Bad loans
Bankruptcy
Reduced loans
List down THE TYPES OF LOAN on the following market structures of loan:
Consumer loan
a.
b.
c.
d.
List down FIVE (5) Islamic financing products
List down THE TYPES OF LOAN on the following market structures of loan:
Commercial loan
a.
b.
c.
d.
e.
