FIN625 Final Term Past Papers 2026

FIN625 - Credit Analysis & Risk Management

in securities, but do not offer the trading services that are provided by dealers?

Sales Operators

Financial Advisers

is the post-loss objective in insurance risk management. Meeting of legal obligation Reduction of anxiety

Stability of earnings

Goals of economy

Which of the following arises in both direct exposures to obligors and may also occur through exposures to protection providers?

Concentration distribution Concentration shelter

Concentration risk

Concentration unit

The term refers to the sales and marketing activities of the insurance. Rejection Acceptance

Induction

Since not all members of the pool are the , we can suppose not all them will claim at the same time. Same gender or age Same gender or health condition Same income or age

Same age or health condition

Which one of the following is not a marketing system for life insurance? Direct response system Personal-producing general agent Non-agency building system

Indirect response system

Which of the following is a written provision that adds to, deletes from, or modifies the provisions in the original contract?

Treaty Agreement Contract

Endorsement

Retention is used The worst possible loss is not serious When no other method of treatment is available Losses are highly predictable

All available options

Who supports a pragmatic approach of mutual recognition for internationally active banks as a key basis for international supervisory cooperation?

The shareholder The manager The supervisor

The committee

Which of the following involves risks that are typically uninsurable?

Hedging

Gambling Insurance

Which one of the following is not a loss forecasting method? Probability analysis

Financial analysis

Forecasting based on loss distribution

is the first step towards successful investment planning Choosing customer Choosing credit manager

Choosing financial advisor

Choosing supervisor

All of the following are the objectives of post-loss EXCEPT:

Maintain growth Ensure survival of the firm

in securities, but do not offer the trading services that are provided by dealers? Dealers Marketers Producers

Advisers

Which of the following situations best explain loss exposure?

A plant that may be damaged by an earthquake

The vehicles parked in a monitored parking garage The extension from transportation to games and video stores The possession of more short-term liabilities than short-term assets

Which of the following are the firms that are registered with regulators to buy or sell securities on behalf of clients?

Dealers

Patrons Buyers Customers

is required by the dealer to invest on behalf of customer. Verbal permission No authority Verbal authority

Written authority

A financially firm can have retention level Weak, higher Weak, No

Strong, higher

Strong, lower

Of the following who is an insurer in which the salesperson is an employee of the insurer, not an independent contractor?

General agent Exclusive agent

Direct writer

Independent agent

Which of the following is a technique for handing an already existing pure risk?

Insurance

Hedging

Gambling

Which of the following relies on the principle that the larger the pool, the more predictable the amount of losses will be in a given period?

Law of segregation Law of cosines

Law of large numbers

Law of attraction

Which of the following has the purpose of achieving equity in rating? Insurance Infinity insurance