أسئلة واختبارات EBI Questions للمتقديم لاختبارات البنوك للتوظيف

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الجروب دة مهم جدا لأنة علية تجارب ناجحة كثير للاختبارات الدولية فى اللغة الانجليزية والمقابلات الخاصة بالسفارات والهيئات والمنظمات الدولية Way 2 IELTS TOEFL 

EBI Questions

A)   Put ( Ö ) or ( X ) :

M. Nadia Jerrydini

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

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. ( Ö )

4-    CBE has no functions with the government. (X )

5-     CBE manages the external value of EGP. ( Ö )

6-    Some commercial banks have gone into non-traditional banking business such as insurance products and securities. ( Ö )

7-    Investment banks provide services for corporate finance. ( Ö )

8-    Underwriting is a primary market process. ( Ö )

9-    The current account is a non-interest bearing account. ( Ö )

10-    Saving account addresses all kinds of customers individuals and corporate. (X)

11-    The time deposit in one of the retail liability products. ( Ö )

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. ( Ö )

14-    The current account is the account that issues the customer a cheque book. ( Ö )

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. ( Ö )

17-    In murabaha the bank purchases a product such as a car and resells it to the customer with an agreed upon profit margin. ( Ö )

18-    The internal power of attorney is signed on the bank forms in front of the account officer. ( Ö )

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)

22-    The head cashier (teller) is responsible to handle large amounts of cash–whether deposit or withdrawal–that exceeds the tellers limits. (Ö)

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. ( Ö )

25-    Credit cards have low interest rates. (X)

26-    SWIFT is a non-profit organization. ( Ö )

27-    The outgoing transfer is amount transferred at the client request to another account inside the same bank or in another bank. ( Ö )

28-    Banks choose their correspondents who are international banks with wide network worldwide. ( Ö )

29-      لا يشترط وجود كلمه شيك على متن الصك. (X)

30-      الكمبياله بها تاريخ تحرير وتاريخ استحقاق. ( Ö )

31-      الشيك به تاريخ تحرير وتاريخ استحقاق. (X)

32-      يجرى احتجاج عدم الدفع (البروتيستو) خلال الاربعه ايام التاليه ليوم الاستحقاق. ( Ö )

Mr. Gamil

33-  الشيك المسطر يسمح بتاجيل السداد ويمكن صرفه نقدا عند تاريخ الإستحقاق. (X)

34-  الشيك المصرفى يصدره البنك بناءا على طلب عميله ولكن لا يصدر لحامله. ( Ö )

35-  الشيك المعتمد هو شيك يقدمه العميل لاعتماده من البنك ونقل الالتزام من حساب العميل الى البنك.( Ö)

36-  المقاصه الصادره تمثل شيكات مسحوبه على فروع البنك لصالح عملاء البنوك الأخرى. (X)

37-    Saving account can be opened for individual and corporate. (X)

38-    Current account is a non interest bearing account. ( Ö )

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. ( Ö )

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)

Mr. Ahmed Samy

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

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. ( Ö )

47-    If the borrower wants a quick answer, it is “ NO ”. ( Ö )

48-    Lending to smaller borrowers is riskier than lending to larger ones. ( Ö )

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. ( Ö )

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 ).

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 ).