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ENGLISH FOR FINANCE AND BANKING A is a legal agreement in which a lender agrees to loan a certain amount of money to a borrower, with the borrower agreeing to pay back the loan with interest a) Bond b) Stock c) Loan d) Equity Answer: c) Loan A is a financial instrument that represents a claim on part of the company's assets and earnings a) Bond b) Stock c) Loan d) Equity Answer: b) Stock A is a financial ratio that measures a company's ability to pay its shortterm debts a) Current ratio b) Debt-to-equity ratio c) Return on equity d) Gross margin Answer: a) Current ratio A is a financial statement that provides a summary of a company's financial position at a specific point in time a) Balance sheet b) Income statement c) Cash flow statement d) Annual report Answer: a) Balance sheet A is a financial market in which financial instruments with high liquidity and short maturities are traded a) Primary market b) Secondary market c) Money market d) Capital market Answer: c) Money market A is a financial institution that helps companies and governments raise money by issuing and selling securities a) Bank b) Stockbroker c) Insurance company d) Investment bank Answer: d) Investment bank A is an account that allows you to save money and earn interest on the deposited funds a) Checking account b) Savings account c) Credit card account d) Money market account Answer: b) Savings account A is an agreement between a lender and a borrower, in which the lender agrees to loan a certain amount of money at a fixed interest rate for a specific period of time a) Revolving credit b) Installment loan c) Term loan d) Line of credit Answer: c) Term loan A is a financial market in which currencies are traded a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: c) Foreign exchange market 10 A is a financial measure of a company's profitability, calculated by dividing the company's net income by its total revenue a) Return on assets b) Return on equity c) Net profit margin d) Gross margin Answer: c) Net profit margin 11 A is a financial instrument that represents an ownership stake in a company a) Bond b) Stock c) Loan d) Equity Answer: b) Stock 12 A is a financial measure of a company's liquidity, calculated by dividing current assets by current liabilities a) Current ratio b) Debt-to-equity ratio c) Return on equity d) Gross margin Answer: a) Current ratio 13 A is a financial instrument that allows investors to borrow money to buy securities, usually with the added benefit of gaining leverage a) Bond b) Stock c) Loan d) Margin account Answer: d) Margin account 14 A is a financial statement that shows a company's revenues and expenses over a period of time a) Balance sheet b) Income statement c) Cash flow statement d) Annual report Answer: b) Income statement 15 A is a financial market in which new securities are issued to the public a) Primary market b) Secondary market c) Money market d) Capital market Answer: a) Primary market 16 A is a financial institution that manages investments on behalf of clients a) Bank b) Stockbroker c) Insurance company d) Investment management firm Answer: d) Investment management firm 17 A is a financial instrument that represents a claim on future cash flows from a project or an asset a) Bond b) Stock c) Loan d) Revenue bond Answer: a) Bond 18 A is an agreement between a lender and a borrower, in which the lender agrees to loan a certain amount of money at a variable interest rate, usually based on a benchmark interest rate a) Revolving credit b) Installment loan c) Floating rate loan d) Line of credit Answer: c) Floating rate loan 19 A is a financial market in which commodities are traded a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: b) Commodity market 20 A is a financial measure of a company's profitability, calculated by dividing the company's net income by its shareholders' equity a) Return on assets b) Return on equity c) Net profit margin d) Gross margin Answer: b) Return on equity 21 A is a financial agreement in which a lender agrees to loan a certain amount of money to a borrower, with the expectation of repayment with interest a) Bond b) Stock c) Loan d) Equity Answer: c) Loan 22 A is a financial market in which existing securities are bought and sold a) Primary market b) Secondary market c) Money market d) Capital market Answer: b) Secondary market 23 A is a financial ratio that compares a company's total debt to its total assets a) Debt-to-equity ratio b) Current ratio c) Return on assets d) Debt-to-assets ratio Answer: d) Debt-to-assets ratio 24 A is a financial statement that shows a company's financial position at a specific point in time a) Balance sheet b) Income statement c) Cash flow statement d) Annual report Answer: a) Balance sheet 25 A is a financial instrument that represents an ownership interest in a company a) Bond b) Stock c) Loan d) Equity Answer: b) Stock 26 A is a financial institution that provides banking and financial services to customers a) Stockbroker b) Investment management firm c) Bank d) Insurance company Answer: c) Bank 27 A is a financial market in which currencies are bought and sold a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: c) Foreign exchange market 28 A is a financial agreement in which a borrower agrees to pay back a loan in regular payments over a set period of time a) Revolving credit b) Installment loan c) Floating rate loan d) Line of credit Answer: b) Installment loan 29 A is a financial measure of a company's profitability, calculated by dividing the company's net income by its total revenues a) Return on assets b) Return on equity c) Net profit margin d) Gross margin Answer: c) Net profit margin 30 A is a financial instrument that represents a promise to pay back a certain amount of money to the holder on a specific date in the future a) Bond b) Stock c) Loan d) Equity Answer: a) Bond 31 A is a financial instrument that represents a promise by the issuer to pay a specific amount of money to the holder on a specified date, or on demand a) Bond b) Stock c) Loan d) Equity Answer: a) Bond 32 A is a financial market where currencies are bought and sold a) Commodity market b) Foreign exchange market c) Stock market d) Money market Answer: b) Foreign exchange market 33 A is a financial statement that shows a company's revenues, expenses, and profits over a certain period of time a) Balance sheet b) Income statement c) Cash flow statement d) Annual report Answer: b) Income statement 34 A is a financial market where new securities are issued and sold to the public for the first time a) Primary market b) Secondary market c) Money market d) Capital market Answer: a) Primary market 35 A is a financial institution that offers a wide range of financial products and services, including savings and checking accounts, loans, and investments a) Stockbroker b) Investment management firm c) Bank d) Insurance company Answer: c) Bank 36 A is a financial measure of a company's ability to meet its short-term obligations, calculated by dividing its current assets by its current liabilities a) Debt-to-equity ratio b) Current ratio c) Return on assets d) Debt-to-assets ratio Answer: b) Current ratio 37 A is a financial agreement in which an investor agrees to lend money to a borrower for a specified period of time, with the expectation of receiving interest payments and the return of the principal a) Bond b) Stock c) Loan d) Deposits Answer: c) Loan 38 A is a financial market where commodities such as gold, oil, and agricultural products are bought and sold a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: b) Commodity market 39 A is a financial ratio that measures a company's profitability, calculated by dividing its net income by its shareholders' equity a) Return on assets b) Return on equity c) Net profit margin d) Gross margin Answer: b) Return on equity 40 A is a financial institution that specializes in buying and selling securities such as stocks, bonds, and mutual funds a) Stockbroker b) Investment management firm c) Bank d) Insurance company Answer: a) Stockbroker 41 A is a financial contract between an insurance company and an individual or organization, where the insurer agrees to pay a specified amount of money in the event of a specified loss a) Bond b) Stock c) Loan d) Insurance policy Answer: d) Insurance policy 42 A is a financial tool used to manage risk by spreading investments across different types of assets or securities a) Hedge fund b) Diversification c) Mutual fund d) Derivative Answer: b) Diversification 43 A is a financial statement that shows a company's financial position at a specific point in time, including its assets, liabilities, and shareholders' equity a) Balance sheet b) Income statement c) Cash flow statement d) Annual report Answer: a) Balance sheet 44 A is a financial market where financial instruments such as currencies, commodities, and derivatives are bought and sold a) Primary market b) Secondary market c) Money market d) Foreign exchange market Answer: d) Foreign exchange market 45 A is a financial institution that provides short-term loans to businesses and individuals, typically secured by collateral such as real estate or inventory a) Stockbroker b) Commercial bank c) Savings and loan association d) Hedge fund Answer: c) Savings and loan association 46 A is a financial ratio that measures a company's ability to generate profits from its operations, calculated by dividing its net income by its sales revenue a) Debt-to-equity ratio b) Current ratio c) Return on assets d) Net profit margin Answer: d) Net profit margin 47 A is a financial market where stocks, bonds, and other securities are bought and sold a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: a) Stock market 48 A is a financial ratio that measures a company's ability to meet its longterm debt obligations, calculated by dividing its long-term debt by its shareholders' equity a) Return on assets b) Return on equity c) Debt-to-equity ratio d) Gross margin Answer: c) Debt-to-equity ratio 49 A is a financial institution that specializes in managing investment portfolios for individuals and organizations a) Stockbroker b) Investment management firm c) Bank d) Insurance company Answer: b) Investment management firm 50 A is a financial instrument that represents a claim on a specific underlying asset or pool of assets a) Bond b) Stock c) Mutual fund d) Derivative Answer: a) Bond 51 A is a financial market where long-term debt securities such as bonds are bought and sold a) Stock market b) Foreign exchange market c) Money market d) Bond market Answer: d) Bond market 52 A is a financial institution that acts as a intermediary between borrowers and lenders, connecting borrowers who need loans with investors who have capital to lend a) Commercial bank b) Credit union c) Investment bank d) Peer-to-peer lending platform Answer: c) Investment bank 53 A is a financial contract in which the buyer agrees to pay a fixed price for a specified quantity of an underlying asset at a specified future date a) Forward contract b) Futures contract c) Option contract d) Swap contract Answer: b) Futures contract 54 A is a financial tool that allows an investor to bet on the price movements of an underlying asset without actually owning the asset a) ETF b) Mutual fund c) Derivative d) Bond Answer: c) Derivative 55 A is a financial statement that shows a company's revenues, expenses, and profits over a specific period of time, such as a quarter or a year a) Balance sheet b) Income statement c) Cash flow statement d) Annual report Answer: b) Income statement 56 A is a financial ratio that measures a company's ability to generate profits from its shareholders' equity, calculated by dividing its net income by its shareholders' equity a) Return on assets b) Return on equity c) Debt-to-equity ratio d) Gross margin Answer: b) Return on equity 57 A is a financial institution that offers various financial products and services to consumers, such as checking and savings accounts, loans, and credit cards a) Stockbroker b) Investment bank c) Commercial bank d) Insurance company Answer: c) Commercial bank 58 A is a financial market where financial instruments such as currencies, commodities, and derivatives are bought and sold for immediate delivery a) Primary market b) Secondary market c) Money market d) Foreign exchange market Answer: c) Money market 59 A is a document that shows the details of a loan, including the interest rate, repayment schedule, and the borrower's creditworthiness a) Balance sheet b) Credit report c) Loan agreement d) Income statement Answer: c) Loan agreement 60 A is a financial market where short-term debt securities such as government bonds and commercial paper are bought and sold a) Stock market b) Foreign exchange market c) Money market d) Bond market Answer: c) Money market 61 A is a financial instrument that allows an investor to buy shares of stock in a company at a reduced price, usually in exchange for a commitment to hold the shares for a certain period of time a) Stock option b) Stock warrant c) Stock right d) Stock split Answer: b) Stock warrant 62 A is a financial market where short-term debt instruments, such as Treasury bills, are bought and sold a) Stock market b) Foreign exchange market c) Money market d) Derivatives market Answer: c) Money market 63 A is a financial contract in which two parties agree to exchange cash flows at specified intervals, usually based on a specific underlying asset or index a) Forward contract b) Futures contract c) Swap contract d) Option contract Answer: c) Swap contract 64 A is a financial tool that allows an investor to gain exposure to a diversified portfolio of assets by buying shares in a single fund that holds a variety of different securities a) ETF b) Mutual fund c) Derivative d) Bond Answer: b) Mutual fund 65 A is a financial ratio that measures a company's ability to pay off its short-term liabilities with its short-term assets, calculated by dividing its current assets by its current liabilities a) Return on assets b) Return on equity c) Current ratio d) Gross margin Answer: c) Current ratio 66 A is a financial institution that acts as an intermediary between buyers and sellers of stocks, bonds, and other securities a) Stockbroker b) Investment bank c) Commercial bank d) Insurance company Answer: a) Stockbroker 67 A is a financial market where securities such as stocks and bonds are bought and sold after they have been initially offered to the public through an initial public offering (IPO) a) Primary market b) Secondary market c) Money market d) Foreign exchange market Answer: b) Secondary market 68 A is a financial tool that allows an investor to limit the amount of downside risk they take on by purchasing an option to sell an asset at a certain price a) Put option b) Call option c) Forward contract d) Swap contract Answer: a) Put option 69 A is a financial ratio that measures a company's ability to pay off its long-term debt obligations, calculated by dividing its earnings before interest and taxes by its total debt a) Times interest earned ratio b) Debt-to-equity ratio c) Current ratio d) Gross margin Answer: a) Times interest earned ratio 70 A is a financial market where currencies from different countries are bought and sold a) Foreign exchange market b) Money market c) Stock market d) Bond market Answer: a) Foreign exchange market 71 A is a financial contract that gives the holder the right, but not the obligation, to buy or sell an underlying asset at a certain price within a certain period of time a) Forward contract b) Futures contract c) Option contract d) Swap contract Answer: c) Option contract 72 A is a financial statement that shows a company's cash inflows and outflows over a specific period of time, such as a quarter or a year a) Balance sheet b) Income statement c) Cash flow statement d) Annual report Answer: c) Cash flow statement 73 A is a financial institution that accepts deposits and makes loans and provides other financial services a) Stockbroker b) Investment bank c) Commercial bank d) Insurance company Answer: c) Commercial bank 74 A is a financial ratio that measures a company's profitability, calculated by dividing its net income by its total sales revenue a) Gross margin b) Return on equity c) Return on assets d) Net profit margin Answer: d) Net profit margin 75 A is a financial market where long-term debt securities such as government bonds and corporate bonds are bought and sold a) Stock market b) Foreign exchange market c) Money market d) Bond market Answer: d) Bond market 76 A is a financial instrument that represents a fractional ownership in a company, and provides the holder with a claim on a portion of the company's profits and assets a) Bond b) Stock c) Derivative d) Mutual fund Answer: b) Stock 77 A is a financial market where short-term debt securities such as Treasury bills and commercial paper are bought and sold a) Bond market b) Foreign exchange market c) Stock market d) Money market Answer: d) Money market 78 A is a financial contract that obligates the holder to buy or sell an underlying asset at a certain price on a specific date in the future a) Forward contract b) Option contract c) Futures contract d) Swap contract Answer: c) Futures contract 79 A is a financial institution that underwrites and sells securities to investors and helps companies raise capital a) Stockbroker b) Commercial bank c) Investment bank d) Insurance company Answer: c) Investment bank 80 A is a financial market where stocks and other equity securities are bought and sold a) Bond market b) Foreign exchange market c) Money market d) Stock market Answer: d) Stock market 81 A is a financial tool that allows an investor to bet on the price movement of an underlying asset, such as a stock or commodity a) ETF b) Mutual fund c) Derivative d) Bond Answer: c) Derivative 82 A is a financial statement that shows a company's cash and cash equivalents, accounts receivable, inventory, and other current assets a) Balance sheet b) Income statement c) Cash flow statement d) Annual report Answer: a) Balance sheet 83 A is a financial metric that measures the return on an investment, calculated as the net income divided by the total amount invested a) ROI b) Gross margin c) Net profit margin d) Debt-to-equity ratio Answer: a) ROI 84 A is a financial ratio that measures a company's ability to pay its shortterm debts, calculated by dividing its current assets by its current liabilities a) Dividend payout ratio b) Gross margin c) Current ratio d) Debt-to-assets ratio Answer: c) Current ratio 85 A is a financial instrument that represents a loan made by an investor to a borrower, and pays a fixed or variable interest rate a) Bond b) Stock c) Derivative d) Loan Answer: a) Bond 86 A is a financial ratio that measures a company's ability to pay its shortterm obligations, calculated by dividing its current assets by its current liabilities a) Debt-to-equity ratio b) Return on equity c) Current ratio d) Gross margin Answer: c) Current ratio 87 A is a financial institution that receives deposits and makes loans, and is typically insured by the FDIC a) Stockbroker b) Commercial bank c) Investment bank d) Insurance company Answer: b) Commercial bank 88 A is a financial market where bonds and other debt securities are bought and sold a) Stock market b) Foreign exchange market c) Money market d) Bond market Answer: d) Bond market 89 A is a financial contract that establishes a fixed exchange rate between two currencies a) Forward contract b) Option contract c) Futures contract d) Currency swap Answer: d) Currency swap 90 A is a financial ratio that measures a company's efficiency, calculated by dividing its net income by its total assets a) Return on assets b) Gross margin c) Return on equity d) Net profit margin Answer: a) Return on assets 91 A is a financial instrument that gives the holder the right, but not the obligation, to buy or sell an underlying asset at a specific price and time a) Bond b) Stock c) Derivative d) Option Answer: d) Option 92 A is a financial ratio that measures a company's efficiency in using its assets to generate profits, calculated by dividing its net income by its total assets a) Return on assets b) Gross margin c) Return on equity d) Net profit margin Answer: a) Return on assets 93 A is a financial statement that shows a company's revenues, costs, and expenses over a specific period of time, such as a quarter or a year a) Balance sheet b) Income statement c) Cash flow statement d) Annual report Answer: b) Income statement 94 A is a financial institution that provides investment banking services, such as underwriting and issuing securities, and typically does not take deposits a) Stockbroker b) Commercial bank c) Investment bank d) Insurance company Answer: c) Investment bank 95 A is a financial ratio that measures a company's ability to meet its longterm debt obligations, calculated by dividing its total liabilities by its total shareholders' equity a) Debt-to-equity ratio b) Return on equity c) Current ratio d) Gross margin Answer: a) Debt-to-equity ratio 96 A is a financial market where futures contracts and other derivatives are bought and sold a) Stock market b) Foreign exchange market c) Money market d) Derivatives market Answer: d) Derivatives market 97 A is a financial contract that establishes a fixed price for the delivery of a commodity or financial asset at a specific future date a) Forward contract b) Option contract c) Futures contract d) Currency swap Answer: c) Futures contract 98 A is a financial ratio that measures a company's ability to pay its dividends, calculated by dividing its net income by its dividends per share a) Dividend payout ratio b) Gross margin c) Return on equity d) Net profit margin Answer: a) Dividend payout ratio 99 A is a financial statement that shows a company's cash inflows and outflows from operating, investing, and financing activities over a specific period of time, such as a quarter or a year a) Balance sheet b) Income statement c) Cash flow statement d) Annual report Answer: c) Cash flow statement 100 A is a financial instrument that represents a claim on a share of the ownership in a corporation a) Bond b) Stock c) Derivative d) Option Answer: b) Stock ... such as currencies, commodities, and derivatives are bought and sold a) Primary market b) Secondary market c) Money market d) Foreign exchange market Answer: d) Foreign exchange market 45 A ... instruments such as currencies, commodities, and derivatives are bought and sold for immediate delivery a) Primary market b) Secondary market c) Money market d) Foreign exchange market Answer: c) Money... financial market where commodities such as gold, oil, and agricultural products are bought and sold a) Stock market b) Commodity market c) Foreign exchange market d) Real estate market Answer: