Commercial Banking Application Quiz!

18 Questions | Total Attempts: 176

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Commercial Banking Application Quiz! - Quiz

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Questions and Answers
  • 1. 
    Banks are our second-biggest client group in the US and Australia.
    • A. 

      True

    • B. 

      False

  • 2. 
    What is the best description of how IBISWorld Industry Reports help large banks?
    • A. 

      They know local, but we provide the industry component

    • B. 

      We help identify high-risk industries in their classification

    • C. 

      We provide a local market and relationship focus

  • 3. 
    Which of the following is the best description of how IBISWorld helps Commercial Banks to deliver more diversified loans?
    • A. 

      Support Credit Analysts with industry information to help approve or deny a loan (e.g. through Industry Report & Risk Ratings)

    • B. 

      Ensuring the bank is not overexposed to too many related industries (e.g. through Industry Wizard)

    • C. 

      Support Relationship Managers with questions to ask loan applicants about their industries (e.g. through iExpert Summaries)

  • 4. 
    Complete the following sentence: IBISWorld helps Commercial Banks to support their Relationship Managers, Credit Analysts, and Loan Officers to create more loans, better loans, and more _ _ _ _ _ _ _ _ _ _ _ loans.
  • 5. 
    IBISWorld can help Loan Officers/Relationship Managers at Commercial Banks. Which IBISWorld product is best suited to providing Loan Officers with fast facts and targeted questions across many verticals?
    • A. 

      Risk Reports

    • B. 

      Industry Reports

    • C. 

      Industry Wizard

    • D. 

      IExpert

  • 6. 
    IBISWorld can help Commercial Banks with Business Development. Which IBISWorld product would be most useful to a bank looking to quickly identify industries in the Growth Stage of their Life Cycle, with low Barriers to Entry and medium to high Capital Intensity?
    • A. 

      IExpert

    • B. 

      Industry Wizard

    • C. 

      Industry Reports

    • D. 

      Business Environment Profiles

  • 7. 
    Credit Scorecards use data to attempt to provide a quantitative measure of the probability that a customer will default. Which IBISWorld product is best suited to provide a Commercial Bank with data to input into the Credit Scorecard system?
    • A. 

      Business Environment Report

    • B. 

      Industry Reports

    • C. 

      Risk Reports

    • D. 

      IWizard

  • 8. 
    IBISWorld can help Commercial Banks with Portfolio/Risk Management. Which IBISWorld Industry Report section would be most useful to a Commercial Bank that wants to map industry families to identify potential issues from buy-side or sell-side?
    • A. 

      Business Locations

    • B. 

      Capital Intensity

    • C. 

      Industry Globalization

    • D. 

      Supply Chain

  • 9. 
    IBISWorld developed the Industry Risk Rating product through a partnership with which not-for-profit organization?
    • A. 

      Consumer Bankers' Association

    • B. 

      Professional Risk Manager's International Association

    • C. 

      Global Association of Risk Professionals

    • D. 

      Risk Management Association

  • 10. 
    Which of the following is the least appropriate question to ask a prospective Commercial Banking client?
    • A. 

      How do you identify new business opportunities?

    • B. 

      How do your recruiters keep abreast with industry trends and developments?

    • C. 

      How do you identify which industries require additional due diligence?

    • D. 

      How do you monitor the bank's loan portfolio?

    • E. 

      What benchmarking data do you use to test the validity of a client’s business plan?

  • 11. 
    Which of the following position types do we target when prospecting a Commercial Bank? Mark all five that apply.
    • A. 

      Chief Credit Officer

    • B. 

      Head of Business Banking

    • C. 

      Knowledge Center

    • D. 

      Head of Commercial Banking

    • E. 

      Investment Analyst - Global Equities

    • F. 

      Chief Economist

  • 12. 
    Underwriters work on a commission basis, so they have added incentive to approve a loan. True or False?
    • A. 

      True

    • B. 

      False

  • 13. 
    Information for this question can be found in the Commercial Banks Key Sections table in the Technical Manual. The Key Statistics section of an Industry Report is most likely to be used by which roles/areas of a Commercial Bank?
    • A. 

      Marketing

    • B. 

      Credit/Risk Analyst

    • C. 

      Library

    • D. 

      Research Analyst/Economics

    • E. 

      Business Development

  • 14. 
    This question relates to the following testimonial from Centrue Bank: "How We Help: • Key reports and sections: iExpert, Competitive Landscape, Market Share Concentration, Risk Rating Reports. • Better client relationships: Understanding real world risks in the industry and asking appropriate questions makes the banker appear knowledgeable to customers. • Risk-balancing portfolio: Use Risk Ratings to look at the concentration of their loan portfolio and develop their own risk whitepaper for internal use." After viewing the testimonial, which two Industry Report chapters appear to have been particularly useful to Centrue?
    • A. 

      Risk Ratings Reports

    • B. 

      Market Share Concentration

    • C. 

      IExpert

    • D. 

      Competitive Landscape

  • 15. 
    Basel III was developed largely in response to the credit crisis and builds on Basel I and Basel II to improve banks’ ability to absorb shocks from financial and economic stress. What is the main influence of Basel III?
    • A. 

      More capital required to set aside to cover risks

    • B. 

      Limits to balance sheets and increased disclosure

    • C. 

      Standards in monitoring liquidity – all banks need to pass a 30-day stress test

    • D. 

      All of the above

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