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EBI Questions

The document contains a series of multiple choice and true/false questions about various banking topics including central banking, commercial banking, retail banking, international trade finance, and financial ratios. It tests knowledge on topics such as the roles and functions of different types of banks, bank products and accounts, payment methods, trade finance instruments, and basic financial metrics. The questions are aimed at assessing understanding of fundamental concepts and terminology across the broad area of banking and international trade.

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Ahmed Fahmy
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2K views4 pages

EBI Questions

The document contains a series of multiple choice and true/false questions about various banking topics including central banking, commercial banking, retail banking, international trade finance, and financial ratios. It tests knowledge on topics such as the roles and functions of different types of banks, bank products and accounts, payment methods, trade finance instruments, and basic financial metrics. The questions are aimed at assessing understanding of fundamental concepts and terminology across the broad area of banking and international trade.

Uploaded by

Ahmed Fahmy
Copyright
© © All Rights Reserved
We take content rights seriously. If you suspect this is your content, claim it here.
Available Formats
Download as PDF, TXT or read online on Scribd
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EBI Questions

A) Put (  ) or ( X ) :

M. Nadia Jerrydini

1- CBE has a macroeconomic influence as it is responsible for price stability. (  )


2- Commercial banks have a microeconomic influence when they act as a lender of
last resort. (X)
3- In commercial banks interest rate on their assets is higher than on their liabilities.
()
4- CBE has no functions with the government. (X )
5- CBE manages the external value of EGP. (  )
6- Some commercial banks have gone into non-traditional banking business such as
insurance products and securities. (  )
7- Investment banks provide services for corporate finance. (  )
8- Underwriting is a primary market process. (  )
9- The current account is a non-interest bearing account. (  )
10- Saving account addresses all kinds of customers individuals and corporate. (X)
11- The time deposit in one of the retail liability products. (  )
12- Asset products are those types whereby customers deposit their money with the
bank. (X)
13- Banks accept deposits and give loans and derive a profit from the difference in
the interest rates paid and charged respectively. (  )
14- The current account is the account that issues the customer a cheque book. (  )
15- When the customer makes no transaction on his account for 4 months it
becomes dormant. (X)
16- The date on the draft cheque is always date of issue. (  )
17- In murabaha the bank purchases a product such as a car and resells it to the
customer with an agreed upon profit margin. (  )
18- The internal power of attorney is signed on the bank forms in front of the
account officer. (  )
19- Saving account pays interest on the highest balance during the month. (X)
20- Certificates of deposit can be broken at any time. (X)
21- Minor accounts are for customers older than 21 years. (X)
1
22- The head cashier (teller) is responsible to handle large amounts of cash–whether
deposit or withdrawal–that exceeds the tellers limits. ()
23- There is no difference between the credit card and the charge card. (X)
24- The grace period for the credit card is the time the customer has to pay the
balance before interest is charged. (  )
25- Credit cards have low interest rates. (X)
26- SWIFT is a non-profit organization. (  )
27- The outgoing transfer is amount transferred at the client request to another
account inside the same bank or in another bank. (  )
28- Banks choose their correspondents who are international banks with wide
network worldwide. (  )
(X) .‫ ال يشترط وجود كلمه شيك على متن الصك‬- 92
(  ) .‫ الكمبياله بها تاريخ تحرير وتاريخ استحقاق‬- 03
(X) .‫ الشيك به تاريخ تحرير وتاريخ استحقاق‬- 03
(  ).‫ يجرى احتجاج عدم الدفع (البروتيستو) خالل االربعه ايام التاليه ليوم االستحقاق‬- 09

Mr. Gamil

(X) .‫ الشيك المسطر يسمح بتاجيل السداد ويمكن صرفه نقدا عند تاريخ اإلستحقاق‬- 00
(  ) .‫ الشيك المصرفى يصدره البنك بناءا على طلب عميله ولكن ال يصدر لحامله‬- 03
)  (.‫ الشيك المعتمد هو شيك يقدمه العميل العتماده من البنك ونقل االلتزام من حساب العميل الى البنك‬- 03
(X) .‫ المقاصه الصادره تمثل شيكات مسحوبه على فروع البنك لصالح عمالء البنوك األخرى‬- 03
37- Saving account can be opened for individual and corporate. (X)
38- Current account is a non interest bearing account. (  )
39- Credit card is the card that you can use it now and pay now. (X)
40- Auto loan is one of the liabilities products in retail business. (X)
41- The collection and recovery department indicates if the retail business is
doing good or bad. (  )
42- the application form to an open account for an individual is the same as the
form of the joint account. (X)
43- The bank charges no commission in standing orders. (X)

2
Mr. Ahmed Samy

44- Collateral security is no substitute for repayment. (  )


45- Collateral security is good substitute for repayment. (X)
46- If you have any questions to the integrity, or honesty, or intensions of the
borrower, you should not approve the loan. (  )
47- If the borrower wants a quick answer, it is “ NO ”. (  )
48- Lending to smaller borrowers is riskier than lending to larger ones. (  )

Mr. Ayman El-Garhey

49- Commercial invoice must be signed to be commercial by the seller. (X)


50- The Certified of origin is issued by exporter. (X)
51- Confirmed documentary credit gives an extra guarantee to the importer. (X)
52- Bid bond and final letter of guarantee must be issued by specific amount and
validity date. (  )
53- Commercial Invoice is a tool of International payment. (X)

B) Choose the correct answer :

M. Nadia Jerrydini

1- Some of the main functions in commercial banks are : ( Documentary credits –


investments – both ).
2- You can pay later if you are using : ( Debit card – credit card – prepaid card ).
3- In the ATM we use : ( Draft cheque – certified cheque – plastic card ).
4- Time deposit is considered : ( Short term – medium term – long term).
5- The joint account is owned by : ( 2 companies or more – 2 individuals or more –
both ).
6- The joint account is owned by : ( A company – an individual – 2 individuals or
more ).
7- The customer can postponed payment by using : ( Draft cheque – certified cheque
– crossed cheque ).
8- The cheque must contain : ( Date of issue – amount in letters and figures – both ).
9- The ATM is useful to : ( The bank – the customer – both ).
10- The strong room (vault) has : ( A strong (safe) door – a webbed (grill) door –
both ).
3
Mr. Gamil

11- Safe box are : ( Retail asset product – Retail liability product – Retail service ).
12- Retail Banking is dealing with : ( Organization – Companies – Individual ).
13- Current account can be opened by : ( Individual – Corporate – Both of them ).
14- Retail loans have some features such as : ( loan purpose – loan amount –
marketing material ).
Mr. Ahmed Samy

15- Asset Turnover Ratio (A.T.O) : ( Total liabilities – Net worth –


Sales ).
16- What are the 2 issues for built obligor risk rating system ? : ( facilities and
collateral – quantitative and qualitative).
17- Risk is more ……. Associated with certain industries than others : ( closely – not
closely – competitive position ).

Mr. Ayman El-Garhey

18- Transport documents are issued by : ( Carrier – Exporter – Importer ).


19- The Certified of origin must show : ( country of production – term of delivery
– unit price ).
20- In the clean collection the commercial documents sent directly to the : (
importer – beneficiary – exporter ).
21- …… is a tool of international payment :- ( advanced payment – letter of
guarantee – bill of payment ).
22- The advanced payment and open account are : ( payment tools – UCP 600 Art.–
term of delivery )
23- The SWIFT message of amendment of L/C is : ( MT700 – MT705 – MT 707 ).

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