Credit and Risk Analysis Specificities Quiz
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Questions and Answers

What is the main concern of financial resource providers?

  • Analyzing financial ratios
  • Ensuring optimal profitability (correct)
  • Favoring the structure over profitability
  • Influencing the mode of management

Which aspect does a banker tend to favor according to the text?

  • Commercial partnerships
  • Profitability of invested capital
  • Structure (correct)
  • Working Capital management

What financial measure does the mission of an Entrepreneur focus on in the text?

  • Financial leverage
  • Net Result versus Equity
  • Working Capital components
  • Return On Equity (ROE) (correct)

In what situations can the number of financial ratios used be inversely proportional to the analyst's experience?

<p>Companies listed on the stock market (D)</p> Signup and view all the answers

What does providing a heavier financial RISK involve according to the text?

<p>Use of debt suggesting higher shareholder return (A)</p> Signup and view all the answers

What is the main mission of shareholders according to the text?

<p>Ensure optimal profitability (A)</p> Signup and view all the answers

What is one way to lower the risk of bankruptcy according to the text?

<p>Focus on improving operating profit (A)</p> Signup and view all the answers

In what way can reducing consumption of materials, goods, or services impact the financial health of a company?

<p>Increase operating profit (C)</p> Signup and view all the answers

How can a company potentially improve its turnover based on the text?

<p>Focusing on increasing gross margin (C)</p> Signup and view all the answers

What aspect does the non-financial diagnosis of a company aim to appreciate?

<p>Legal status and capital distribution (D)</p> Signup and view all the answers

What is an important factor to consider when analyzing a company's risk management and governance?

<p>Membership in a group (D)</p> Signup and view all the answers

Why is it important for an analyst to understand the internal and external environment of a company before studying accounting documents?

<p>To appreciate the dynamics of the company (C)</p> Signup and view all the answers

What benefit does the banker receive each month through the loan repayment process?

<p>Decrease in the debt amount over time (D)</p> Signup and view all the answers

In the event of bankruptcy, who is the last to be compensated after liquidation of a company's assets?

<p>Shareholder (A)</p> Signup and view all the answers

What aspect impacts the estimation of an economic risk related to a company's activity and profitability?

<p>Level of debt (B)</p> Signup and view all the answers

How do bankers expect remuneration for their financial contributions?

<p>Spread spread on money cost (C)</p> Signup and view all the answers

What does the banker benefit from based on the maturity of debt?

<p>Increase in cost of debt (A)</p> Signup and view all the answers

How is the bank's risk of uncollectability impacted over time?

<p>It decreases over time (D)</p> Signup and view all the answers

What is the standard plan for carrying out a sectoral analysis?

<p>Analyzing activity, market outlook, competition structure, and margins (A)</p> Signup and view all the answers

Which aspect is NOT part of the sectoral analysis scheme based on Porter's framework?

<p>Technological advancements in the sector (C)</p> Signup and view all the answers

What is one of the determinants of margins in sectoral analysis?

<p>Geographic location of the activity (D)</p> Signup and view all the answers

What does the rivalry between competitors impact in sectoral analysis?

<p>Ability to master the margin (A)</p> Signup and view all the answers

Which aspect is NOT considered in the structure of competition during sectoral analysis?

<p>Cyclical analysis of the sector (A)</p> Signup and view all the answers

What type of information is needed to widen the forecast field of financial analysis?

<p>Information about the competitive, commercial, and technological environments (D)</p> Signup and view all the answers

What factor influences the structure and weight of economic assets according to the text?

<p>The influence of the sector on equipment level, technology, and working capital requirements (B)</p> Signup and view all the answers

Which aspect can determine a company's position as an innovative entity?

<p>Investing in research and development (A)</p> Signup and view all the answers

What additional analysis should complement the interpretation of accounting indicators according to the text?

<p>Analysis of companies' projects and their environment (C)</p> Signup and view all the answers

What information is crucial for constructing scenarios related to competitive, commercial, and technological environments?

<p>Information allowing scenario construction regarding competitive, commercial, and technological environments (C)</p> Signup and view all the answers

What aspect of a company can be indicated by its market share?

<p>Importance in the industry relative to competitors (B)</p> Signup and view all the answers

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