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AIBB Management in Financial WRITTEN Question Bank, Complete Solution & PDF

ব্যাংকিং ডিপ্লোমা (এআইবিবি) Management in Financial নিয়োগ পরীক্ষার WRITTEN প্রশ্নব্যাংক, নির্ভুল উত্তরমালা এবং ব্যাখ্যাসহ সমাধান। ১১০+ প্রশ্ন দিয়ে প্র্যাকটিস করুন, মক টেস্ট দিন এবং সহজে PDF ডাউনলোড করে প্রস্তুতি প্রস্তুতি নিশ্চিত করুন

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AIBB Management in Financial WRITTEN Question Bank & Solution

আপনি কি AIBB নিয়োগ পরীক্ষার জন্য নিজেকে প্রস্তুত করছেন? নিয়োগ যুদ্ধে টিকে থাকার সবচেয়ে কার্যকর উপায় হলো বিগত বছরের প্রশ্ন নিয়মিত প্র্যাকটিস করা।

(10)
Write short notes on any (five) of the following.

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AIBB 5th AIBB — Risk Management in Financial Institutions (RMFI)-2025 Management in Financial 2025

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(a) Interest rate risk

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(b) Stress testing

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(d) Inherent risk

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(e) Market discipline.

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(f) Risk Based Supervision (RBS)

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(g) Cyber Security risk

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(9)

Financial information of ABC Bank PLC are as follows :

Serial No.	Particular	Amount in BDT Crore.
1	Total loans and advances	5000
2	Risk Weighted Assets (RWA)	4000
3	Tier-1 Capital	400
4	Total expected cash outflows over next 30 calendar days	800
5	Total expected cash inflows over next 30 calendar days	500
6	Total demand and time liabilities	5500
7	Stock of high quality liquid assets	600
8	Available amount of stable funding	3000
9	Interbank deposit surplus	300
10	Required amount of stable fund	2800

AIBB 5th AIBB — Risk Management in Financial Institutions (RMFI)-2025 Management in Financial 2025

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(a) Calculate LCR, NSFR, ADR and leverage ratio from above information.

12

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(b) Compare the ratio calculated above with regulatory threshold and make your comments.

4

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(8)

AIBB 5th AIBB — Risk Management in Financial Institutions (RMFI)-2025 Management in Financial 2025

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(a) How does Basel-III differ from Basel-II Capital accord?

5

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(b) What does it mean by market discipline under Basel framework?

7

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(7)

AIBB 5th AIBB — Risk Management in Financial Institutions (RMFI)-2025 Management in Financial 2025

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(a) Describe the difference between Tier-1 and Tier-2 capital.

4

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(b)

From the following capital elements of XYZ Bank PLC, calculate CRAR, Tier-1, Tier-2 and minimum capital requirement.

Component	Amount (BDT in Crore.
i) Paid up capital.	500
ii) Non-repayable share premium account	150
iii) Statutory reserve	250
iv) General reserve	150
v) Perpetual Bond	400
vi) General Provision	100
vii) Retained earnings	200
viii) Minority interest in subsidiaries	100
ix) Subordinated debt	150
x) Total Risk Weighted Assets (RWA)	20,500

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(6)

AIBB 5th AIBB — Risk Management in Financial Institutions (RMFI)-2025 Management in Financial 2025

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(a) Write the self assessment and independent procedure of AML/CFT risk.

6

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(b) Assess the importance of Credit Information Bureau (CIB) and credit rating agency in managing credit risk.

7

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(5)

AIBB 5th AIBB — Risk Management in Financial Institutions (RMFI)-2025 Management in Financial 2025

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(a) Define e-KYC and highlight its differences from traditional KYC.

6

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(b) What important documents should a financial institution gather when reviewing a loan application during the customer due diligence process?

7

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(c) A sound risk management policy will not work if the bank management does not recognize the policy in their day to day activities - please write your opinion on this statement.

7

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(4)

AIBB 5th AIBB — Risk Management in Financial Institutions (RMFI)-2025 Management in Financial 2025

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(a) Define the Enterprise Risk Management (ERM)? How does ERM differ from traditional risk management?

8

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(b) What are the cause factors of operational risk management?

5

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(3)

AIBB 5th AIBB — Risk Management in Financial Institutions (RMFI)-2025 Management in Financial 2025

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(a) "Audit committee and internal auditors are considered as an extension of Board risk management Function" do you agree with this statement? Justify your answer.

8

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(b) Explain the role and functions of risk management division.

5

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(2)

AIBB 5th AIBB — Risk Management in Financial Institutions (RMFI)-2025 Management in Financial 2025

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(a) What are the most common risk assessment techniques used by banks?

5

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(b) What are the most common risk assessment techniques used by banks?

7

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(1)

AIBB 5th AIBB — Risk Management in Financial Institutions (RMFI)-2025 Management in Financial 2025

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(a) What is risk? What are the methods of identification of risk?

6

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(b) What are the features of a well crafted Risk Appetite Statement (RSA)?

7

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(10)
Briefly answer the following questions :

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AIBB 6th AIBB — Treasury Management in Financial Institutions (TMFI)-2025 Management in Financial 2025

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(i) What is Cash Reserve Ratio (CRR)?

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(ii) What do you understand by commodity derivatives?

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(iii) What is translation risk?

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(iv) Who are the participants of inter bank money market?

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(v) What is the key objectives of transfer pricing?

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(vi) What is Advance to Deposit Ratio (ADR)?

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(vii) Why banks fix limit to their treasury/fonex operation?

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(viii) What is a Contingency Funding Plan (CFP)?

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(ix) What is SOFR?

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(x) What is the concept of 'Chinese wall' in Treasury Management?

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(9)
Compare and contrast between any five out of 10 :

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AIBB 6th AIBB — Treasury Management in Financial Institutions (TMFI)-2025 Management in Financial 2025

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(a) Bid Rate vs Ask Rate

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(b) Repo vs Reverse Repo

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(d) Primary Dealer (PD) vs Authorised Dealer (AD)

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(e) Call option vs Put option

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(f) Treasury Bills vs Treasury Bonds

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(g) TT clean rate vs BC selling rate

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(h) Hedgers vs Speculators

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(i) Direct Quotation vs Indirect Quotation

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(j) Current Account vs Capital account.

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(8)
Case 2 : Bank Merger
Case Scenario :
A developing country, Deltaland, is looking to strengthen its banking sector and improving financial stability. Some key features of the banking sector of Deltaland are as follows :

AIBB 6th AIBB — Treasury Management in Financial Institutions (TMFI)-2025 Management in Financial 2025

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(a) The number of banks are very large comparing to the size of the economy and the similar economies in the region. Hence, the market is highly competitive.

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(b) Some banks have been kept under the Prompt Corrective Action (PAC) of the Central Bank for mounting losses and Non-Performing Loans (NPL).

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(c)

The industry as a whole has been suffering for high NPL, fragmented market share, unhealthy completion and lack of good governance in some banks.

The government and the Central Bank have recently decided to merge some of the banks. It has been decided that Bank 'B' will be merged with Bank 'A' and continue services under the title of Bank 'A', some key indicators of the two banks are given as follows :

[Figures are in million local currency]

	Bank A	Bank B
Deposit	5,000	3,000
Loans and Advance	4,250	2,700
NPL	8%	20%
Provision against NPL	No deficiency	Notable deficiency
Branch Network	Limited	Wider network across the country
Deposit mix	Mostly short term	Mostly medium and long term
Business	Retail focused	Retail focused, but has some large corporate clients
Profitability	Profitable with increasing trend	Incurring losses with high NPL
Regulatory oversite	N/A	Under PCA due to losses and high NPL

Task :

As a banking professional, evaluate the proposed policy decision by analyzing the given scenario. The contexts are :

(i) Calculate the NPL rate of the merged bank;
(ii) What challenges will Bank A face after the merger?
(iii) What synergies and benefits might be availed from the merger?
(iv) The proposed merger may or may not bring the expected outcome. Briefly explain.

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(7)
Case 1 : Basel III implementation of a bank.
Case Scenario :
'ABC' Bank is a 4th generation scheduled commercial bank in Bangladesh, engaged in retail banking, corporate banking and investment banking. The bank has been facing challenges in maintaining capital adequacy and liquidity due to increasing Non-Performing Assets (NPAs) and volatile market conditions. To strengthen its financial stability and comply with global regulatory standards, the bank has decided to implement the Basel III framework fully, issued by the Basel Committee on Banking supervision.
Recent data regarding Basel III for the bank are as follows :
(i) CET 1 is 3.5%, Tier 1 Capital is 5%, Capital to Risk (weighted) Assets Ratio (CRAR) is 7% and Capital Conservation Buffer (CCB) is 2%.
(ii) Leverage Ratio is 2.5%.
(iii) Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) is 90% and 101% respectively.
As an expert, you are required to analyze how 'ABC' Bank can adopt Basel III principles to enhance Capital Adequacy, Liquidity Standards and its effective risk management-addressing the following questions :

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AIBB 6th AIBB — Treasury Management in Financial Institutions (TMFI)-2025 Management in Financial 2025

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(a) Considering the above data, what are the potential challenges ABC Bank may face in implementing Basel III fully?

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(b) Why leverage Ratio and Liquidity coverage Ratio are critical for the bank?

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(d) How can the bank strengthen its capital base? Briefly discuss.

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(6)

AIBB 6th AIBB — Treasury Management in Financial Institutions (TMFI)-2025 Management in Financial 2025

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(a)
Determine cross exchange rates, considering the quotation below :
(i) USD/JPY : 143.75
USD/BDT : 122.31.
Calculate JPY/BDT rate.
(ii) USD/CAD : 1.39
GBP/USD : 1.32
Calculate GBP/CAD rate.

4

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(b)
The Ausmo Group is an Australian company that reports its financial statements in Australian Dollar (AUD). The company conducts its business in USA in USD. The USD/AUD exchange rate was 1.50 when the company prepared its half-yearly financial statement. However, the USD/AUD exchange rate is currently 1-20 when the company reports its year-end result.
Is it an example of translation risk, economic risk or transaction risk for Ausmo Group? Explain briefly.

6

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Question Bank: AIBB-এর সকল ইউনিটের প্রশ্ন এক জায়গায় — সহজে খুঁজুন, দ্রুত প্র্যাকটিস করুন।
বিগত ২০ বছরের প্রশ্ন: শুরু থেকে বর্তমান পর্যন্ত সকল written নির্ভুল উত্তর ও ব্যাখ্যাসহ সাজানো।
অধ্যায় ও টপিক ভিত্তিক এক্সাম: প্রতিটি অধ্যায় ও টপিক অনুযায়ী আলাদা এক্সাম দিয়ে ধাপে ধাপে প্র্যাকটিস করুন এবং দুর্বল অংশগুলো দ্রুত শনাক্ত করুন।
SATT AI Explanation: কঠিন প্রশ্ন বা থিওরি বুঝতে AI থেকে তাৎক্ষণিক ব্যাখ্যা নিন।
⚔️ Battle & Mistake Vault: লাইভ ব্যাটেলে অংশ নিন এবং ভুল প্রশ্নগুলো Mistake Vault-এ সেভ করে আবার প্র্যাকটিস করুন।
Progress & Analytics: নিজের পারফরম্যান্স ট্র্যাক করুন এবং কোথায় উন্নতি দরকার বুঝে নিন।
PDF Download: প্রশ্নগুলো PDF আকারে ডাউনলোড বা প্রিন্ট করে অফলাইনে পড়ুন।

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উত্তর: স্যাট একাডেমিতে ব্যাংকিং ডিপ্লোমা (এআইবিবি) Management in Financial নিয়োগ পরীক্ষার মোট ১১০+ প্রশ্ন নির্ভুল উত্তর এবং বিস্তারিত ব্যাখ্যাসহ সাজানো রয়েছে।

উত্তর: হ্যাঁ, প্রতিটি অধ্যায় এবং টপিক অনুযায়ী আলাদা আলাদা এক্সাম দেওয়ার সুবিধা রয়েছে, যা আপনাকে ধাপে ধাপে প্রস্তুতি নিতে এবং নিজের দুর্বল অংশগুলো শনাক্ত করতে সাহায্য করবে।

উত্তর: যেকোনো কঠিন প্রশ্ন বা জটিল থিওরি বুঝতে আমাদের 'SATT AI Explanation' ফিচার আপনাকে তাৎক্ষণিক বই-ভিত্তিক রেফারেন্স এবং সহজবোধ্য ব্যাখ্যা প্রদান করবে।

উত্তর: অবশ্যই। প্র্যাকটিস করার সময় আপনার ভুল করা প্রশ্নগুলো অটোমেটিক 'Mistake Vault'-এ সেভ হয়ে থাকবে, যেন পরীক্ষার আগে আপনি সেগুলো বারবার রিভিশন দিয়ে প্রস্তুতি নিখুঁত করতে পারেন।

উত্তর: হ্যাঁ, আপনি 'Battle' ফিচারের মাধ্যমে সরাসরি অন্য পরীক্ষার্থীদের সাথে লাইভ প্রতিযোগিতায় অংশ নিতে পারেন এবং আপনার প্রগ্রেস এনালিটিক্স ট্র্যাক করতে পারেন।

উত্তর: হ্যাঁ, আপনি সম্পূর্ণ প্রশ্ন সেটটি ডাইনামিক PDF হিসেবে ডাউনলোড করতে পারবেন অথবা সরাসরি প্রিন্ট করে অফলাইনে আপনার সুবিধামতো পড়ার জন্য ব্যবহার করতে পারবেন।