WorksheetsBSF - Day 4 morning session
Total questions: 20
Worksheet time: 10mins
Corporate Banking at BSF primarily focuses on serving:
Individual retail customers only
Micro-enterprises and startups
Medium-to-large businesses, MNCs, and potentially GREs (*)
Private Banking HNWI clients
Who typically serves as the main point of contact and coordinator for a large corporate client at BSF?
Branch Teller
Head of IT
Relationship Manager (RM) (*)
Internal Auditor
Financing a large KSA infrastructure project based on its future cash flows likely falls under:
Retail Personal Finance
Project Finance (*)
Credit Card Services
Standard Working Capital Loan
When BSF participates with several other banks to fund a very large corporate loan, this arrangement is called a:
Mortgage Loan
Overdraft Facility
Syndicated Loan (*)
Bilateral Agreement
Compared to retail credit assessment, corporate credit analysis places more emphasis on:
The customer's age and marital status
The number of mada transactions made
Detailed analysis of company financials, industry, and management (*)
The client's social media presence
The independent function within BSF primarily responsible for approving/rejecting large corporate credit facilities based on risk assessment is:
Corporate Banking Sales Team
Treasury Department
Credit Risk Department (*)
Marketing Department
A Letter of Credit (LC) primarily provides payment security to which party in an international trade transaction?
The buyer/importer
The seller/exporter (*)
The shipping company
The bank issuing the LC
A Bid Bond, a type of Bank Guarantee often required in KSA, assures the project owner that the bidder will:
Complete the project on time
Accept the contract if their bid is successful (*)
Pay all suppliers promptly
Provide the highest quality materials
What technology is essential for banks like BSF to securely exchange detailed messages related to Letters of Credit (LCs) internationally?
SADAD Payment System
SARIE Instant Network
SWIFT Messaging (MT7xx series) (*)
Mada Network
Corporate e-banking platforms (like FransiCorp) primarily enable clients to:
Apply for retail home finance
Manage accounts, initiate payments, and access reporting (*)
Trade shares directly on Tadawul
Book appointments with SAMA officials
Integrating a client's ERP system directly with BSF for automated payments often uses:
Email attachments
Physical document scanners
Host-to-Host (H2H) or API connectivity (*)
Branch teller interactions
The internal Treasury function focused on ensuring BSF has enough cash to meet daily obligations is called:
Market Risk Management
Liquidity Management (*)
Credit Risk Management
Client FX Sales
SAMA's LCR (Liquidity Coverage Ratio) primarily ensures banks hold sufficient _______ to withstand a stress scenario.
Customer Loans
Physical Branch Assets
High-Quality Liquid Assets (HQLA) (*)
Besides core deposits, a common way BSF Treasury might source longer-term funding for the bank is by:
Increasing credit card limits
Issuing Bonds or Sukuk in the capital markets (*)
Selling off branch buildings
Reducing employee salaries
Asset Liability Management (ALM) within Treasury is crucial for managing the bank's own exposure to:
Employee fraud risk
Interest Rate Risk and Liquidity Risk (*)
Credit Risk on personal loans
Physical security breaches
BSF Treasury manages the bank's own FX risk resulting from:
Changes in the SAR/USD peg
Domestic SAR transactions via mada
Exposures to non-USD foreign currencies (EUR, GBP, etc.) (*)
SAMA's domestic policy rate changes
The portfolio of Saudi Government Sukuk and SAMA Bills held by Treasury primarily serves which purpose?
Funding high-risk venture capital investments
Meeting regulatory HQLA requirements for liquidity (*)
Providing loans directly to corporate clients
Hedging against commodity price fluctuations
A Spot FX transaction provided by Treasury involves exchanging currencies:
At a locked-in rate for a future date
At the current market rate for settlement typically in 2 days (*)
Only between SAR and USD
With a guaranteed profit for the client
An FX Forward contract helps a BSF corporate client primarily to:
Invest in foreign currencies for speculation
Get immediate cash in a foreign currency
Manage the risk of future exchange rate fluctuations (*)
Pay local salaries via SARIE
What core technology do Treasury dealers use to view real-time market data (like FX rates) and execute trades?
Core Banking System
CRM Platform
Trading Platform (e.g., connected to Reuters/Bloomberg *)
Loan Origination System
