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</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</p> Signup and view all the answers

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

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

    How do bankers expect remuneration for their financial contributions?

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

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

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

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

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

    What does the rivalry between competitors impact in sectoral analysis?

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

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