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2. Facilities can be advanced in the form of overdraft or term loan:
3. In terms of collateral all bank facilities must be secured:
4. The most important stage of a loan is disbursement:
5. Which one is a profit and loss item:
6. One of these is a current asset:
7. Current Assets – Current Liabilities = Net Current Assets:
8. The best time to ask for security is:
9. Free cash flow can be arrived at by adding depreciation to net profit:
10. Credit risk is the risk that the client will not repay loan as at when due:
11. Capital structure is inappropriate when liabilities exceed assets:
12. Balance sheet and income statement are required for loan analysis:
13. For every loan the account officer has the final say:
14. A walk-in customer with urgent credit need is the best customer:
15. Net worth is what is left after you subtract all liabilities:
16. Cash flow statement is required to assess the capacity to repay a term loan:
17. The most important ‘’C’’ in credit is:
18. The key document that guides a bank’s credit activities is Credit Policy Manual:
19. All bank loans must be backed with security or collateral:
20. Loans are the biggest items in the asset side of a bank’s balance sheet: