Exam Details

  • Exam Code
    :CCRA
  • Exam Name
    :Certified Credit Research Analyst
  • Certification
    :CCRA
  • Vendor
    :AIWMI
  • Total Questions
    :84 Q&As
  • Last Updated
    :May 10, 2024

AIWMI CCRA CCRA Questions & Answers

  • Question 21:

    During FY13, Small Bazar, a leading retail company has sold three of its prime properties for a sum of USD 24 Million. The same had a carrying value of USD 30 Million.

    Analyst had considered the same as operating income and considered it to be part of operating expenses. However, she realized her mistake and recorded the loss as non-operating loss. Which of the following ratio will not change despite the correction?

    A. EBITDA Margins

    B. Interest Coverage

    C. PAT Margins

    D. Gross Profit Margin

    A. B, C and D

    B. A, B and C

    C. B, C

    D. All Ratios will change

  • Question 22:

    Which of the following may lead to the deterioration in credit profile of a bank?

    Statement 1. Bank's Capital adequacy falling below regulatory requirement. Statement 2. Rise in Slippage ratio

    A. None of the statement is correct

    B. Both statement 1 and 2 are correct

    C. Statement 1 is correct

    D. Statement 2 is correct

  • Question 23:

    Project 1: Company X has a sugar mill at Philadelphia and is replicating same at Toronto.

    Project 2: Company Y has a sugar mill at Philadelphia and is increasing capacity from 100000 MT to

    140000 MT per annum.

    What type of projects are Project 1 and Project 2?

    A. Project 1: Diversification; Project 2: Forward Integration

    B. Project 1: Expansion; Project 2: Forward Integration

    C. Project 1: Diversification; Project 2: Expansion

    D. Project 1: Expansion; Project 2: Expansion

  • Question 24:

    An increase in the salaries of the bank employees due to new bank employee pay commission implemented by the Central Government will lead to deterioration of which of the following ratios:

    A: Cost to Income Ratio

    B: Net Interest Margin

    C:

    Core Spread

    A.

    Only A

    B.

    A B and C

    C.

    Only B

    D.

    Only C

  • Question 25:

    For considering the assignment of probabilities, which of the following aspects are taken into account?

    A. Economic cycle ?bearish phase or boom

    B. All of the other options

    C. The date of valuation of assets on the financials

    D. The nature and age of assets

  • Question 26:

    The extension of a guarantee by company A to company B can lower the rating of___________

    A. Company B

    B. Both A and B

    C. Guarantee has no impact on ratings of company A and company B

    D. Company A

  • Question 27:

    Attributes of healthy cultural values exclude:

    A. Experienced management.

    B. Diversified sources of revenue.

    C. Brand.

    D. Healthy relationship with employees

  • Question 28:

    Proportion of fee based income is examined as the same is an _____ efficient source of bank's profitability.

    A. Interest based

    B. Capital

    C. Current

    D. Fee Based

  • Question 29:

    Which of the following statement is (are) correct?

    Statement 1: Industry analysis is the first and foremost step in the bottom up approach of analysis. Statement 2: Industry analysis would enable an analyst to figure out the relative positions of various market players and thereby make informed investment decisions.

    A. Both are incorrect

    B. Only Statement 1 is correct

    C. Only Statement 2 is correct

    D. Both are correct

  • Question 30:

    Basket Default swaps could be

    A. reference sectors could be from the same economy

    B. reference sectors could be the entire global space

    C. reference securities are from the same sector

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