{"id":3124,"date":"2019-03-15T03:54:28","date_gmt":"2019-03-15T03:54:28","guid":{"rendered":"https:\/\/www.dumpsbase.com\/freedumps\/?p=3124"},"modified":"2019-03-15T03:54:30","modified_gmt":"2019-03-15T03:54:30","slug":"new-ccra-l2-certified-credit-research-analyst-ccra-exam-questions","status":"publish","type":"post","link":"https:\/\/www.dumpsbase.com\/freedumps\/new-ccra-l2-certified-credit-research-analyst-ccra-exam-questions.html","title":{"rendered":"New CCRA-L2 Certified Credit Research Analyst (CCRA) Exam Questions"},"content":{"rendered":"\n<p>CCRA Level 2 CCRA-L2 exam is one of the CCRA certification exams. The Certified Credit Research Analyst (CCRA\u2122) is a comprehensive global education program designed to give an expert level understanding of credit markets to fresh graduates and experienced professionals. New CCRA-L2 exam questions are valid for passing your CCRA-L2 exam. <\/p>\n\n\n\n<p class=\"has-text-color has-medium-font-size has-vivid-red-color\"><strong><em>Free CCRA-L2 Dumps Online, Check New Exam Questions Now<\/em><\/strong><\/p>\n\n\n\n<script>\n\t  window.fbAsyncInit = function() {\n\t    FB.init({\n\t      appId            : '622169541470367',\n\t      autoLogAppEvents : true,\n\t      xfbml            : true,\n\t      version          : 'v3.1'\n\t    });\n\t  };\n\t\n\t  (function(d, s, id){\n\t     var js, fjs = d.getElementsByTagName(s)[0];\n\t     if (d.getElementById(id)) {return;}\n\t     js = d.createElement(s); js.id = id;\n\t     js.src = \"https:\/\/connect.facebook.net\/en_US\/sdk.js\";\n\t     fjs.parentNode.insertBefore(js, fjs);\n\t   }(document, 'script', 'facebook-jssdk'));\n\t<\/script><script type=\"text\/javascript\" >\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \nif(!window.jQuery) alert(\"The important jQuery library is not properly loaded in your site. Your WordPress theme is probably missing the essential wp_head() call. You can switch to another theme and you will see that the plugin works fine and this notice disappears. If you are still not sure what to do you can contact us for help.\");\n});\n<\/script>  \n  \n<div  id=\"watupro_quiz\" class=\"quiz-area single-page-quiz\">\n<p id=\"submittingExam836\" style=\"display:none;text-align:center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\"><\/p>\n\n<div class=\"watupro-exam-description\" id=\"description-quiz-836\"><\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-836\"  enctype=\"multipart\/form-data\" >\n<div class='watu-question ' id='question-1' style=';'><div id='questionWrap-1'  class='   watupro-question-id-23237'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>1. <\/span>Amount if expenditure estimated in various years is as follows: <br \/>\r<br><br><img decoding=\"async\" width=546 height=86 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image004.jpg\" v:shapes=\"Picture_x0020_2\"><br><br \/>\r<br>Debt shall bear a fixed rate of interest of 10% and all interest till DCCO shall be added to the principal. The expected principal along with capitalized interest is expected to be INR2, 400 Million (i.e.INR2100 Million debt plus INR300 Million capitalized interest). The repayment of the same shall be in 12 equated annual installments starting from FY17. <br \/>\r<br>Brief projections for the period of FY17 to FY21 are given below: <br \/>\r<br><br><img decoding=\"async\" width=514 height=125 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image006.jpg\" v:shapes=\"Picture_x0020_3\"><br><br \/>\r<br>Developments as on March 31, 2015 <br \/>\r<br>The project manager for the SPV made following comments at a press conferee on March 31, 2015: <br \/>\r<br>As you all are aware, we were running bang on schedule till we last met on December 21, 2014. From today we are just left with one more year to complete the project in time. <br \/>\r<br>However, the flash floods which struck our dam site on this March 15, 2015 have created havoc in the region. I shall not point out the loss of lives in the region as you all are well aware of those. Our project has also been badly hit due to the same and we have been assessing the damage over the last one week. After analyzing damage, we have made changes in project schedule. Now we will be making only one unit of 150 MW operational on April 1, 2016 and 1 unit each will be added in each of subsequent year(s). <br \/>\r<br>Development as on September 30, 2015 <br \/>\r<br>Post the flash floods, lot of environmentalists started raising issues of changes in environment due to construction of large number of dams. A few Public Interest Litigations (PILs) have been filed in various courts. <br \/>\r<br>Honorable High Court of MP on September 27, 2015, banned construction of any dams in the region and banned permissions for new dams till next hearing scheduled on November 30, 2015. MCC in its press release has indicated that they will apply to the higher court on the matter. <br \/>\r<br>As a credit analyst on March 31, 2012, which of the following sets of risks are you going to put in your credit appraisal note?<\/div><input type='hidden' name='question_id[]' id='qID_1' value='23237' \/><input type='hidden' id='answerType23237' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23237[]' id='answer-id-96275' class='answer   answerof-23237 ' value='96275'   \/><label for='answer-id-96275' id='answer-label-96275' class=' answer'><span>Off-take risk, Cost and Time over run risk, lack of management experience in such big projects.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23237[]' id='answer-id-96276' class='answer   answerof-23237 ' value='96276'   \/><label for='answer-id-96276' id='answer-label-96276' class=' answer'><span>Lack of management experience in large projects, Exchange rate risks, Cost and time over run risks.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23237[]' id='answer-id-96277' class='answer   answerof-23237 ' value='96277'   \/><label for='answer-id-96277' id='answer-label-96277' class=' answer'><span>Cost and Time over run risk, lack of management experience in such big projects.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23237[]' id='answer-id-96278' class='answer   answerof-23237 ' value='96278'   \/><label for='answer-id-96278' id='answer-label-96278' class=' answer'><span>Obsolete technology risk, political risks and Cost and time over run risks<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-2' style=';'><div id='questionWrap-2'  class='   watupro-question-id-23238'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>2. <\/span>Amount if expenditure estimated in various years is as follows: <br \/>\r<br><br><img decoding=\"async\" width=501 height=81 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image010.jpg\" v:shapes=\"Picture_x0020_6\"><br><br \/>\r<br>Debt shall bear a fixed rate of interest of 10% and all interest till DCCO shall be added to the principal. The expected principal along with capitalized interest is expected to be INR2, 400 Million (i.e.INR2100 Million debt plus INR300 Million capitalized interest). The repayment of the same shall be in 12 equated annual installments starting from FY17. <br \/>\r<br>Brief projections for the period of FY17 to FY21 are given below: <br \/>\r<br><br><img decoding=\"async\" width=473 height=118 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image012.jpg\" v:shapes=\"Picture_x0020_7\"><br><br \/>\r<br>Developments as on March 31, 2015 <br \/>\r<br>The project manager for the SPV made following comments at a press conferee on March 31, 2015: <br \/>\r<br>As you all are aware, we were running bang on schedule till we last met on December 21, 2014. From today we are just left with one more year to complete the project in time. <br \/>\r<br>However, the flash floods which struck our dam site on this March 15, 2015 have created havoc in the region. I shall not point out the loss of lives in the region as you all are well aware of those. Our project has also been badly hit due to the same and we have been assessing the damage over the last one week. After analyzing damage, we have made changes in project schedule. Now we will be making only one unit of 150 MW operational on April 1, 2016 and 1 unit each will be added in each of subsequent year(s). <br \/>\r<br>Development as on September 30, 2015 <br \/>\r<br>Post the flash floods, lot of environmentalists started raising issues of changes in environment due to construction of large number of dams. A few Public Interest Litigations (PILs) have been filed in various courts. <br \/>\r<br>Honorable High Court of MP on September 27, 2015, banned construction of any dams in the region and banned permissions for new dams till next hearing scheduled on November 30, 2015. MCC in its press release has indicated that they will apply to the higher court on the matter. <br \/>\r<br>Based on the initial projections, do scenario analysis assuming only 75% capacity is utilized in FY17 and FY18 and thereby revenues will be proportionally reduced. <br \/>\r<br>Compute DSCR under such scenario for FY17 and FY18, assuming other things remain constant?<\/div><input type='hidden' name='question_id[]' id='qID_2' value='23238' \/><input type='hidden' id='answerType23238' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23238[]' id='answer-id-96279' class='answer   answerof-23238 ' value='96279'   \/><label for='answer-id-96279' id='answer-label-96279' class=' answer'><span>FY17: 0.85; FY18: 1.26<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23238[]' id='answer-id-96280' class='answer   answerof-23238 ' value='96280'   \/><label for='answer-id-96280' id='answer-label-96280' class=' answer'><span>FY17: 0.74; FY18: 1.09<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23238[]' id='answer-id-96281' class='answer   answerof-23238 ' value='96281'   \/><label for='answer-id-96281' id='answer-label-96281' class=' answer'><span>FY17:1.35; FY18: 2.09<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23238[]' id='answer-id-96282' class='answer   answerof-23238 ' value='96282'   \/><label for='answer-id-96282' id='answer-label-96282' class=' answer'><span>FY17:0.98; FY18: 1.46<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-3' style=';'><div id='questionWrap-3'  class='   watupro-question-id-23239'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>3. <\/span>Amount if expenditure estimated in various years is as follows: <br \/>\r<br><br><img decoding=\"async\" width=444 height=72 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image016.jpg\" v:shapes=\"Picture_x0020_9\"><br><br \/>\r<br>Debt shall bear a fixed rate of interest of 10% and all interest till DCCO shall be added to the principal. The expected principal along with capitalized interest is expected to be INR2, 400 Million (i.e.INR2100 Million debt plus INR300 Million capitalized interest). The repayment of the same shall be in 12 equated annual installments starting from FY17. <br \/>\r<br>Brief projections for the period of FY17 to FY21 are given below: <br \/>\r<br><br><img decoding=\"async\" width=445 height=107 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image018.jpg\" v:shapes=\"Picture_x0020_10\"><br><br \/>\r<br>Developments as on March 31, 2015 <br \/>\r<br>The project manager for the SPV made following comments at a press conferee on March 31, 2015: <br \/>\r<br>As you all are aware, we were running bang on schedule till we last met on December 21, 2014. From today we are just left with one more year to complete the project in time. <br \/>\r<br>However, the flash floods which struck our dam site on this March 15, 2015 have created havoc in the region. I shall not point out the loss of lives in the region as you all are well aware of those. Our project has also been badly hit due to the same and we have been assessing the damage over the last one week. After analyzing damage, we have made changes in project schedule. Now we will be making only one unit of 150 MW operational on April 1, 2016 and 1 unit each will be added in each of subsequent year(s). <br \/>\r<br>Development as on September 30, 2015 <br \/>\r<br>Post the flash floods, lot of environmentalists started raising issues of changes in environment due to construction of large number of dams. A few Public Interest Litigations (PILs) have been filed in various courts. <br \/>\r<br>Honorable High Court of MP on September 27, 2015, banned construction of any dams in the region and banned permissions for new dams till next hearing scheduled on November 30, 2015. MCC in its press release has indicated that they will apply to the higher court on the matter. <br \/>\r<br>After the developments of March 31, 2015, assuming revenues are directly linked to the power production and the EBITDA margins remain intact for the year, as were projected, compute the revised interest coverage ratio dfor FY17 and FY18?<\/div><input type='hidden' name='question_id[]' id='qID_3' value='23239' \/><input type='hidden' id='answerType23239' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23239[]' id='answer-id-96283' class='answer   answerof-23239 ' value='96283'   \/><label for='answer-id-96283' id='answer-label-96283' class=' answer'><span>FY17: 0.90; FY18: 1.85<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23239[]' id='answer-id-96284' class='answer   answerof-23239 ' value='96284'   \/><label for='answer-id-96284' id='answer-label-96284' class=' answer'><span>FY17: 1.85; FY18: 2.93<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23239[]' id='answer-id-96285' class='answer   answerof-23239 ' value='96285'   \/><label for='answer-id-96285' id='answer-label-96285' class=' answer'><span>FY17: 0.49; FY18: 0.97<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23239[]' id='answer-id-96286' class='answer   answerof-23239 ' value='96286'   \/><label for='answer-id-96286' id='answer-label-96286' class=' answer'><span>FY17: 1.80; FY18: 2.78<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-4' style=';'><div id='questionWrap-4'  class='   watupro-question-id-23240'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>4. <\/span>Amount if expenditure estimated in various years is as follows: <br \/>\r<br><br><img decoding=\"async\" width=480 height=77 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image022.gif\" v:shapes=\"Picture_x0020_13\"><br><br \/>\r<br>Debt shall bear a fixed rate of interest of 10% and all interest till DCCO shall be added to the principal. The expected principal along with capitalized interest is expected to be INR2, 400 Million (i.e.INR2100 Million debtplus INR300 Million capitalized interest). The repayment of the same shall be in 12 equated annual installments starting from FY17. <br \/>\r<br>Brief projections for the period of FY17 to FY21 are given below: <br \/>\r<br><br><img decoding=\"async\" width=486 height=123 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image024.gif\" v:shapes=\"Picture_x0020_14\"><br><br \/>\r<br>Developments as on March 31, 2015 <br \/>\r<br>The project manager for the SPV made following comments at a press conferee on March 31, 2015: <br \/>\r<br>As you all are aware, we were running bang on schedule till we last met on December 21, 2014. From today we are just left with one more year to complete the project in time. <br \/>\r<br>However, the flash floods which struck our dam site on this March 15, 2015 have created havoc in the region. I shall not point out the loss of lives in the region as you all are well aware of those. Our project has also been badly hit due to the same and we have been assessing the damage over the last one week. After analyzing damage, we have made changes in project schedule. Now we will be making only one unit of 150 MW operational on April 1, 2016 and 1 unit each will be added in each of subsequent year(s). <br \/>\r<br>Development as on September 30, 2015 <br \/>\r<br>Post the flash floods, lot of environmentalists started raising issues of changes in environment due to construction of large number of dams. A few Public Interest Litigations (PILs) have been filed in various courts. <br \/>\r<br>Honorable High Court of MP on September 27, 2015, banned construction of any dams in the region and banned permissions for new dams till next hearing scheduled on November 30, 2015. MCC in its press release has indicated that they will apply to the higher court on the matter. <br \/>\r<br>As a credit rating analyst on September 30, 2015, on receipt of the high court order, what rating action you will take:<\/div><input type='hidden' name='question_id[]' id='qID_4' value='23240' \/><input type='hidden' id='answerType23240' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23240[]' id='answer-id-96287' class='answer   answerof-23240 ' value='96287'   \/><label for='answer-id-96287' id='answer-label-96287' class=' answer'><span>Put ratings on rating watch.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23240[]' id='answer-id-96288' class='answer   answerof-23240 ' value='96288'   \/><label for='answer-id-96288' id='answer-label-96288' class=' answer'><span>Change rating outlook for long term to negative.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23240[]' id='answer-id-96289' class='answer   answerof-23240 ' value='96289'   \/><label for='answer-id-96289' id='answer-label-96289' class=' answer'><span>No action, wait for order if higher courts or hearing on November 30, 2015.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23240[]' id='answer-id-96290' class='answer   answerof-23240 ' value='96290'   \/><label for='answer-id-96290' id='answer-label-96290' class=' answer'><span>Immediately downgrade ratings of SP<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-5' style=';'><div id='questionWrap-5'  class='   watupro-question-id-23241'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>5. <\/span>Amount if expenditure estimated in various years is as follows: <br \/>\r<br><br><img decoding=\"async\" width=438 height=70 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image028.jpg\" v:shapes=\"Picture_x0020_16\"><br><br \/>\r<br>Debt shall bear a fixed rate of interest of 10% and all interest till DCCO shall be added to the principal. The expected principal along with capitalized interest is expected to be INR2, 400 Million (i.e.INR2100 Million debt plus INR300 Million capitalized interest). The repayment of the same shall be in 12 equated annual installments starting from FY17. <br \/>\r<br>Brief projections for the period of FY17 to FY21 are given below: <br \/>\r<br><br><img decoding=\"async\" width=502 height=121 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image030.gif\" v:shapes=\"Picture_x0020_17\"><br><br \/>\r<br>Developments as on March 31, 2015 <br \/>\r<br>The project manager for the SPV made following comments at a press conferee on March 31, 2015: <br \/>\r<br>As you all are aware, we were running bang on schedule till we last met on December 21, 2014. From today we are just left with one more year to complete the project in time. <br \/>\r<br>However, the flash floods which struck our dam site on this March 15, 2015 have created havoc in the region. I shall not point out the loss of lives in the region as you all are well aware of those. Our project has also been badly hit due to the same and we havebeen assessing the damage over the last one week. After analyzing damage, we have made changes in project schedule. Now we will be making only one unit of 150 MW operational on April 1, 2016 and 1 unit each will be added in each of subsequent year(s). <br \/>\r<br>Development as on September 30, 2015 <br \/>\r<br>Post the flash floods, lot of environmentalists started raising issues of changes in environment due to construction of large number of dams. A few Public Interest Litigations (PILs) have been filed in various courts. <br \/>\r<br>Honorable High Court of MP on September 27, 2015, banned construction of any dams in the region and banned permissions for new dams till next hearing scheduled on November 30, 2015. MCC in its press release has indicated that they will apply to the higher court on the matter. <br \/>\r<br>On receiving the credit proposal, the banker informed the company that in FY17 the DSCR is below unity, which is not acceptable to bank. <br \/>\r<br>Which of the following is correct?<\/div><input type='hidden' name='question_id[]' id='qID_5' value='23241' \/><input type='hidden' id='answerType23241' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23241[]' id='answer-id-96291' class='answer   answerof-23241 ' value='96291'   \/><label for='answer-id-96291' id='answer-label-96291' class=' answer'><span>Had the cash accruals be more by INR50 Million, DSCR would have been unity. SPV can provide an implicit credit enhancement for the same from MC<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23241[]' id='answer-id-96292' class='answer   answerof-23241 ' value='96292'   \/><label for='answer-id-96292' id='answer-label-96292' class=' answer'><span>Had the cash accruals be more by INR8 Million, DSCR would have been unity. SPV can provide an implicit credit enhancement for the same from MC<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23241[]' id='answer-id-96293' class='answer   answerof-23241 ' value='96293'   \/><label for='answer-id-96293' id='answer-label-96293' class=' answer'><span>Had the cash accruals be more by INR8 Million, DSCR would have been unity, SPV can provide an explicit credit enhancement for the same from MC<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23241[]' id='answer-id-96294' class='answer   answerof-23241 ' value='96294'   \/><label for='answer-id-96294' id='answer-label-96294' class=' answer'><span>Had the cash accruals be more by INR12 Million, DSCR would have been unity. SPV can provide an explicit credit enhancement for the same from MC<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-6' style=';'><div id='questionWrap-6'  class='   watupro-question-id-23242'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>6. <\/span>Scott is a credit analyst with one of the credit rating agencies in India. He was looking in Oil and Gas Industry companies and has presented brief financials for following 4 entities: <br \/>\r<br><br><img decoding=\"async\" width=452 height=106 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image032.jpg\" v:shapes=\"Picture_x0020_18\"><br><br \/>\r<br>Which of the four entities has best interest coverage ratios?<\/div><input type='hidden' name='question_id[]' id='qID_6' value='23242' \/><input type='hidden' id='answerType23242' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23242[]' id='answer-id-96295' class='answer   answerof-23242 ' value='96295'   \/><label for='answer-id-96295' id='answer-label-96295' class=' answer'><span>C Ltd<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23242[]' id='answer-id-96296' class='answer   answerof-23242 ' value='96296'   \/><label for='answer-id-96296' id='answer-label-96296' class=' answer'><span>D Ltd<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23242[]' id='answer-id-96297' class='answer   answerof-23242 ' value='96297'   \/><label for='answer-id-96297' id='answer-label-96297' class=' answer'><span>A Ltd<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23242[]' id='answer-id-96298' class='answer   answerof-23242 ' value='96298'   \/><label for='answer-id-96298' id='answer-label-96298' class=' answer'><span>B Ltd<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-7' style=';'><div id='questionWrap-7'  class='   watupro-question-id-23243'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>7. <\/span>Scott is a credit analyst with one of the credit rating agencies in India. He was looking in Oil and Gas Industry companies and has presented brief financials for following 4 entities: <br \/>\r<br>Two credit analysts are discussing the DM-approach to credit risk modeling. They make the following statements: <br \/>\r<br>Analyst A: A portfolio\u2019s standard deviation of credit losses can be determined by considering the standard deviation of credit losses of individual exposures in the portfolio and summing them all up. <br \/>\r<br>Analyst B: I do not fully agree with that. Apart from individual standard deviations, one also needs to consider the correlation of the exposure with the rest of the portfolio so as to account for diversification effects. Higher correlations among credit exposures will lead to higher standard deviation of the overall portfolio.<\/div><input type='hidden' name='question_id[]' id='qID_7' value='23243' \/><input type='hidden' id='answerType23243' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23243[]' id='answer-id-96299' class='answer   answerof-23243 ' value='96299'   \/><label for='answer-id-96299' id='answer-label-96299' class=' answer'><span>Only Analyst A is correct<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23243[]' id='answer-id-96300' class='answer   answerof-23243 ' value='96300'   \/><label for='answer-id-96300' id='answer-label-96300' class=' answer'><span>Both are correct<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23243[]' id='answer-id-96301' class='answer   answerof-23243 ' value='96301'   \/><label for='answer-id-96301' id='answer-label-96301' class=' answer'><span>Only Analyst B is correct<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23243[]' id='answer-id-96302' class='answer   answerof-23243 ' value='96302'   \/><label for='answer-id-96302' id='answer-label-96302' class=' answer'><span>Both are incorrect<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-8' style=';'><div id='questionWrap-8'  class='   watupro-question-id-23244'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>8. <\/span>Scott is a credit analyst with one of the credit rating agencies in India. He was looking in Oil and Gas Industry companies and has presented brief financials for following 4 entities: <br \/>\r<br><br><img decoding=\"async\" width=514 height=118 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image034.gif\" v:shapes=\"Picture_x0020_19\"><br><br \/>\r<br>Giving equal weightage to all three ratios, determine which of the above entities should be rated highest on a relative scale.<\/div><input type='hidden' name='question_id[]' id='qID_8' value='23244' \/><input type='hidden' id='answerType23244' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23244[]' id='answer-id-96303' class='answer   answerof-23244 ' value='96303'   \/><label for='answer-id-96303' id='answer-label-96303' class=' answer'><span>C Ltd<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23244[]' id='answer-id-96304' class='answer   answerof-23244 ' value='96304'   \/><label for='answer-id-96304' id='answer-label-96304' class=' answer'><span>A Ltd<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23244[]' id='answer-id-96305' class='answer   answerof-23244 ' value='96305'   \/><label for='answer-id-96305' id='answer-label-96305' class=' answer'><span>D Ltd<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23244[]' id='answer-id-96306' class='answer   answerof-23244 ' value='96306'   \/><label for='answer-id-96306' id='answer-label-96306' class=' answer'><span>B Ltd<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-9' style=';'><div id='questionWrap-9'  class='   watupro-question-id-23245'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>9. <\/span>Scott is a credit analyst with one of the credit rating agencies in India. He was looking in Oil and Gas Industry companies and has presented brief financials for following 4 entities: <br \/>\r<br><br><img decoding=\"async\" width=435 height=101 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image036.gif\" v:shapes=\"Picture_x0020_20\"><br><br \/>\r<br>From the data given below, calculate the standard deviation of the credit portfolio assuming that facility\u2019s exposure is known with certainty, customer defaults and LGDs are independent of one another and LGDs are independent across borrower(s). <br \/>\r<br>Credit Facility A C Loss Equivalent Exposure of $60m, expected Default frequency of 1.5%, loss given default <br \/>\r<br>of 30%, Std Deviation of LGD C 5% and Correlation to portfolio C 0.10 <br \/>\r<br>Credit Facility B C Loss Equivalent Exposure of $25m, expected Default frequency of 2%, loss given default of 12%, Std Deviation of LGD C 12% and Correlation to portfolio C 0.45 <br \/>\r<br>Credit Facility C C Loss Equivalent Exposure of $15m, expected Default frequency of 5%, loss given default of 85%, Std Deviation of LGD C 18% and Correlation to portfolio C 0.22<\/div><input type='hidden' name='question_id[]' id='qID_9' value='23245' \/><input type='hidden' id='answerType23245' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23245[]' id='answer-id-96307' class='answer   answerof-23245 ' value='96307'   \/><label for='answer-id-96307' id='answer-label-96307' class=' answer'><span>US$6.88 million<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23245[]' id='answer-id-96308' class='answer   answerof-23245 ' value='96308'   \/><label for='answer-id-96308' id='answer-label-96308' class=' answer'><span>US$ 1.16 million<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23245[]' id='answer-id-96309' class='answer   answerof-23245 ' value='96309'   \/><label for='answer-id-96309' id='answer-label-96309' class=' answer'><span>US$ 1.66 million<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23245[]' id='answer-id-96310' class='answer   answerof-23245 ' value='96310'   \/><label for='answer-id-96310' id='answer-label-96310' class=' answer'><span>US$ 0.10 million<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-10' style=';'><div id='questionWrap-10'  class='   watupro-question-id-23246'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>10. <\/span>Scott is a credit analyst with one of the credit rating agencies in India. He was looking in Oil and Gas Industry companies and has presented brief financials for following 4 entities: <br \/>\r<br><br><img decoding=\"async\" width=480 height=110 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image038.jpg\" v:shapes=\"Picture_x0020_21\"><br><br \/>\r<br>Which of the following statements is incorrect?<\/div><input type='hidden' name='question_id[]' id='qID_10' value='23246' \/><input type='hidden' id='answerType23246' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23246[]' id='answer-id-96311' class='answer   answerof-23246 ' value='96311'   \/><label for='answer-id-96311' id='answer-label-96311' class=' answer'><span>B Ltd has higher EBITDA margins as compared to C Ltd.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23246[]' id='answer-id-96312' class='answer   answerof-23246 ' value='96312'   \/><label for='answer-id-96312' id='answer-label-96312' class=' answer'><span>D Ltd has higher EBITDA margins as competed to B Ltd.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23246[]' id='answer-id-96313' class='answer   answerof-23246 ' value='96313'   \/><label for='answer-id-96313' id='answer-label-96313' class=' answer'><span>C Ltd has worst total debt to EBITDA ratio.<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23246[]' id='answer-id-96314' class='answer   answerof-23246 ' value='96314'   \/><label for='answer-id-96314' id='answer-label-96314' class=' answer'><span>B Ltd has worst interest coverage ratio.<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-11' style=';'><div id='questionWrap-11'  class='   watupro-question-id-23247'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>11. <\/span>Following is information related banks: <br \/>\r<br>Auckland Ltd is a public sector bank operating with about 120 branches across India. The bank has been in business since 1971 and has about 40% branches in rural areas and about 75% of all branches are in <br \/>\r<br>Western India. On the basis of the size, Auckland Ltd will be ranked at number 31 amongst 40 banks in India. <br \/>\r<br>Although top management has appointment period of 5 years, generally they retire on ach sieving age of 60 years with an average tenure of only 2 years at the top job. <br \/>\r<br>Profit and Loss Account <br \/>\r<br><br><img decoding=\"async\" width=437 height=306 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image040.jpg\" v:shapes=\"Picture_x0020_22\"><br><br \/>\r<br>Balance Sheet <br \/>\r<br><br><img decoding=\"async\" width=447 height=165 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image042.jpg\" v:shapes=\"Picture_x0020_23\"><br><br \/>\r<br><br><img decoding=\"async\" width=470 height=146 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image044.jpg\" v:shapes=\"Picture_x0020_24\"><br><br \/>\r<br>The rating wise break-up of assets for FY11 is as follows: <br \/>\r<br><br><img decoding=\"async\" width=306 height=185 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image046.jpg\" v:shapes=\"Picture_x0020_25\"><br><br \/>\r<br>The core spreads for FY13 as compared to FY12 have:<\/div><input type='hidden' name='question_id[]' id='qID_11' value='23247' \/><input type='hidden' id='answerType23247' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23247[]' id='answer-id-96315' class='answer   answerof-23247 ' value='96315'   \/><label for='answer-id-96315' id='answer-label-96315' class=' answer'><span>Expanded by 136 bps<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23247[]' id='answer-id-96316' class='answer   answerof-23247 ' value='96316'   \/><label for='answer-id-96316' id='answer-label-96316' class=' answer'><span>Contracted by 327 bps<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23247[]' id='answer-id-96317' class='answer   answerof-23247 ' value='96317'   \/><label for='answer-id-96317' id='answer-label-96317' class=' answer'><span>Contracted by 136 bps<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23247[]' id='answer-id-96318' class='answer   answerof-23247 ' value='96318'   \/><label for='answer-id-96318' id='answer-label-96318' class=' answer'><span>Expanded by 191 bps<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-12' style=';'><div id='questionWrap-12'  class='   watupro-question-id-23248'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>12. <\/span>Following is information related banks: <br \/>\r<br>Auckland Ltd is a public sector bank operating with about 120 branches across India. The bank has been in business since 1971 and has about 40% branches in rural areas and about 75% of all branches are in <br \/>\r<br>Western India. On the basis of the size, Auckland Ltd will be ranked at number 31 amongst 40 banks in India. <br \/>\r<br>Although top management has appointment period of 5 years, generally they retire on ach sieving age of 60 years with an average tenure of only 2 years at the top job. <br \/>\r<br>Profit and Loss Account <br \/>\r<br><br><img decoding=\"async\" width=448 height=312 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image048.jpg\" v:shapes=\"Picture_x0020_26\"><br><br \/>\r<br>Balance Sheet <br \/>\r<br><br><img decoding=\"async\" width=511 height=186 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image050.jpg\" v:shapes=\"Picture_x0020_28\"><br><br \/>\r<br><br><img decoding=\"async\" width=449 height=138 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image052.jpg\" v:shapes=\"Picture_x0020_29\"><br><br \/>\r<br>The rating wise break-up of assets for FY11 is as follows: <br \/>\r<br><br><img decoding=\"async\" width=303 height=180 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image054.jpg\" v:shapes=\"Picture_x0020_30\"><br><br \/>\r<br>The ROTA for Auckland deteriorated from ___in FY12 to___ in FY13.<\/div><input type='hidden' name='question_id[]' id='qID_12' value='23248' \/><input type='hidden' id='answerType23248' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23248[]' id='answer-id-96319' class='answer   answerof-23248 ' value='96319'   \/><label for='answer-id-96319' id='answer-label-96319' class=' answer'><span>0,.7%, 0,3%<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23248[]' id='answer-id-96320' class='answer   answerof-23248 ' value='96320'   \/><label for='answer-id-96320' id='answer-label-96320' class=' answer'><span>7%; 2%<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23248[]' id='answer-id-96321' class='answer   answerof-23248 ' value='96321'   \/><label for='answer-id-96321' id='answer-label-96321' class=' answer'><span>2.3%; 0.7%<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23248[]' id='answer-id-96322' class='answer   answerof-23248 ' value='96322'   \/><label for='answer-id-96322' id='answer-label-96322' class=' answer'><span>1.9%; 0.6%<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-13' style=';'><div id='questionWrap-13'  class='   watupro-question-id-23249'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>13. <\/span>Following is information related banks: <br \/>\r<br>Auckland Ltd is a public sector bank operating with about 120 branches across India. The bank has been in business since 1971 and has about 40% branches in rural areas and about 75% of all branches are in <br \/>\r<br>Western India. On the basis of the size, Auckland Ltd will be ranked at number 31 amongst 40 banks in India. <br \/>\r<br>Although top management has appointment period of 5 years, generally they retire on ach sieving age of 60 years with an average tenure of only 2 years at the top job. <br \/>\r<br>Profit and Loss Account <br \/>\r<br><br><img decoding=\"async\" width=442 height=308 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image056.jpg\" v:shapes=\"Picture_x0020_31\"><br><br \/>\r<br>Balance Sheet <br \/>\r<br><br><img decoding=\"async\" width=469 height=173 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image058.jpg\" v:shapes=\"Picture_x0020_32\"><br><br \/>\r<br><br><img decoding=\"async\" width=469 height=147 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image060.jpg\" v:shapes=\"Picture_x0020_33\"><br><br \/>\r<br>The rating wise break-up of assets for FY11 is as follows: <br \/>\r<br><br><img decoding=\"async\" width=333 height=199 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image062.jpg\" v:shapes=\"Picture_x0020_34\"><br><br \/>\r<br>Cost to income ratio is best for which year<\/div><input type='hidden' name='question_id[]' id='qID_13' value='23249' \/><input type='hidden' id='answerType23249' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23249[]' id='answer-id-96323' class='answer   answerof-23249 ' value='96323'   \/><label for='answer-id-96323' id='answer-label-96323' class=' answer'><span>FY13<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23249[]' id='answer-id-96324' class='answer   answerof-23249 ' value='96324'   \/><label for='answer-id-96324' id='answer-label-96324' class=' answer'><span>FY11<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23249[]' id='answer-id-96325' class='answer   answerof-23249 ' value='96325'   \/><label for='answer-id-96325' id='answer-label-96325' class=' answer'><span>Same FY11 and FY12<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23249[]' id='answer-id-96326' class='answer   answerof-23249 ' value='96326'   \/><label for='answer-id-96326' id='answer-label-96326' class=' answer'><span>FY12<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-14' style=';'><div id='questionWrap-14'  class='   watupro-question-id-23250'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>14. <\/span>Following is information related banks: <br \/>\r<br>Auckland Ltd is a public sector bank operating with about 120 branches across India. The bank has been in business since 1971 and has about 40% branches in rural areas and about 75% of all branches are in <br \/>\r<br>Western India. On the basis of the size, Auckland Ltd will be ranked at number 31 amongst 40 banks in India. <br \/>\r<br>Although top management has appointment period of 5 years, generally they retire on ach sieving age of 60 years with an average tenure of only 2 years at the top job. <br \/>\r<br>Profit and Loss Account <br \/>\r<br><br><img decoding=\"async\" width=439 height=307 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image064.jpg\" v:shapes=\"Picture_x0020_35\"><br><br \/>\r<br>Balance Sheet <br \/>\r<br><br><img decoding=\"async\" width=461 height=170 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image066.jpg\" v:shapes=\"Picture_x0020_36\"><br><br \/>\r<br>The rating wise break-up of assets for FY11 is as follows: <br \/>\r<br><br><img decoding=\"async\" width=290 height=172 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image068.jpg\" v:shapes=\"Picture_x0020_37\"><br><br \/>\r<br>Computer risk weighted assets for Auckland Ltd for FY11:<\/div><input type='hidden' name='question_id[]' id='qID_14' value='23250' \/><input type='hidden' id='answerType23250' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23250[]' id='answer-id-96327' class='answer   answerof-23250 ' value='96327'   \/><label for='answer-id-96327' id='answer-label-96327' class=' answer'><span>10,10,000 Million<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23250[]' id='answer-id-96328' class='answer   answerof-23250 ' value='96328'   \/><label for='answer-id-96328' id='answer-label-96328' class=' answer'><span>13,24,500 Million<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23250[]' id='answer-id-96329' class='answer   answerof-23250 ' value='96329'   \/><label for='answer-id-96329' id='answer-label-96329' class=' answer'><span>11,64,500 Million<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23250[]' id='answer-id-96330' class='answer   answerof-23250 ' value='96330'   \/><label for='answer-id-96330' id='answer-label-96330' class=' answer'><span>11,60,000 Million<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-15' style=';'><div id='questionWrap-15'  class='   watupro-question-id-23251'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>15. <\/span>Following is information related banks: <br \/>\r<br>Auckland Ltd is a public sector bank operating with about 120 branches across India. The bank has been in business since 1971 and has about 40% branches in rural areas and about 75% of all branches are in <br \/>\r<br>Western India. On the basis of the size, Auckland Ltd will be ranked at number 31 amongst 40 banks in India. <br \/>\r<br>Although top management has appointment period of 5 years, generally they retire on ach sieving age of 60 years with an average tenure of only 2 years at the top job. <br \/>\r<br>Profit and Loss Account <br \/>\r<br><br><img decoding=\"async\" width=454 height=315 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image070.jpg\" v:shapes=\"Picture_x0020_38\"><br><br \/>\r<br>Balance Sheet <br \/>\r<br><br><img decoding=\"async\" width=402 height=148 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image072.gif\" v:shapes=\"Picture_x0020_39\"><br><br \/>\r<br><br><img decoding=\"async\" width=403 height=126 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image074.jpg\" v:shapes=\"Picture_x0020_40\"><br><br \/>\r<br>The rating wise break-up of assets for FY11 is as follows: <br \/>\r<br><br><img decoding=\"async\" width=346 height=209 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image076.jpg\" v:shapes=\"Picture_x0020_41\"><br><br \/>\r<br>During which year amongst the three, was the overall financial profile of bank most string?<\/div><input type='hidden' name='question_id[]' id='qID_15' value='23251' \/><input type='hidden' id='answerType23251' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23251[]' id='answer-id-96331' class='answer   answerof-23251 ' value='96331'   \/><label for='answer-id-96331' id='answer-label-96331' class=' answer'><span>No change in three years<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23251[]' id='answer-id-96332' class='answer   answerof-23251 ' value='96332'   \/><label for='answer-id-96332' id='answer-label-96332' class=' answer'><span>FY13<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23251[]' id='answer-id-96333' class='answer   answerof-23251 ' value='96333'   \/><label for='answer-id-96333' id='answer-label-96333' class=' answer'><span>FY11<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23251[]' id='answer-id-96334' class='answer   answerof-23251 ' value='96334'   \/><label for='answer-id-96334' id='answer-label-96334' class=' answer'><span>FY12<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-16' style=';'><div id='questionWrap-16'  class='   watupro-question-id-23252'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>16. <\/span>Ms. Mary Brown is a credit rating analyst. She had prepared a detailed report on one of her client, FlyHigh <br \/>\r<br>Airlines Ltd, a company operating chartered aircrafts in India. As she was heading for a meeting with her superior on the matter, coffee spilled over her set of prepared paper(s). As she was getting late for meeting, instead of preparing entire set she could recollect few numbers from her memory and reconstructed following partial financial table: <br \/>\r<br><br><img decoding=\"async\" width=273 height=462 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image078.jpg\" v:shapes=\"Picture_x0020_42\"><br><br \/>\r<br>An analyst comparing two competitors Comp Systems and Big Tables gathers the data below: <br \/>\r<br>Cash Conversions Cycle: <br \/>\r<br>Comp Systems: 18 days and Big Tables 32 days <br \/>\r<br>Defense Interval Ratio: <br \/>\r<br>Comp Systems: 50 and Big Tables: 20 <br \/>\r<br>What can the analyst conclude regarding the liquidity of these companies?<\/div><input type='hidden' name='question_id[]' id='qID_16' value='23252' \/><input type='hidden' id='answerType23252' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23252[]' id='answer-id-96335' class='answer   answerof-23252 ' value='96335'   \/><label for='answer-id-96335' id='answer-label-96335' class=' answer'><span>Both indicators suggest that Comp Systems is more liquid than Big Tables<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23252[]' id='answer-id-96336' class='answer   answerof-23252 ' value='96336'   \/><label for='answer-id-96336' id='answer-label-96336' class=' answer'><span>Both indicators suggest that Big Tables manages it\/s cash better than Comp Systems<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23252[]' id='answer-id-96337' class='answer   answerof-23252 ' value='96337'   \/><label for='answer-id-96337' id='answer-label-96337' class=' answer'><span>Both indicators give contradictory results<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23252[]' id='answer-id-96338' class='answer   answerof-23252 ' value='96338'   \/><label for='answer-id-96338' id='answer-label-96338' class=' answer'><span>While Comp Systems is more liquid as per the Cash conversion cycle, Big Tables manages its cash better as indicated by a lower, hence better Defense Ratio<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-17' style=';'><div id='questionWrap-17'  class='   watupro-question-id-23253'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>17. <\/span>Ms. Mary Brown is a credit rating analyst. She had prepared a detailed report on one of her client, FlyHigh Airlines Ltd, a company operating chartered aircrafts in India. As she was heading for a meeting with her superior on the matter, coffee spilled over her set of prepared paper(s). As she was getting late for meeting, instead of preparing entire set she could recollect few numbers from her memory and reconstructed following partial financial table: <br \/>\r<br><br><img decoding=\"async\" width=223 height=378 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image080.jpg\" v:shapes=\"Picture_x0020_43\"><br><br \/>\r<br>What is Total Income FY10 and FY12?<\/div><input type='hidden' name='question_id[]' id='qID_17' value='23253' \/><input type='hidden' id='answerType23253' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23253[]' id='answer-id-96339' class='answer   answerof-23253 ' value='96339'   \/><label for='answer-id-96339' id='answer-label-96339' class=' answer'><span>FY10: INR400 Million; FY12:INR575 Million<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23253[]' id='answer-id-96340' class='answer   answerof-23253 ' value='96340'   \/><label for='answer-id-96340' id='answer-label-96340' class=' answer'><span>FY10: INR525.56 Million; FY12: INR755.49 Million<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23253[]' id='answer-id-96341' class='answer   answerof-23253 ' value='96341'   \/><label for='answer-id-96341' id='answer-label-96341' class=' answer'><span>Insufficient Information to compute<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23253[]' id='answer-id-96342' class='answer   answerof-23253 ' value='96342'   \/><label for='answer-id-96342' id='answer-label-96342' class=' answer'><span>FY10: INR656.94 Million; FY12: INR821.18 Million<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-18' style=';'><div id='questionWrap-18'  class='   watupro-question-id-23254'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>18. <\/span>Ms. Mary Brown is a credit rating analyst. She had prepared a detailed report on one of her client, FlyHigh <br \/>\r<br>Airlines Ltd, a company operating chartered aircrafts in India. As she was heading for a meeting with her superior on the matter, coffee spilled over her set of prepared paper(s). As she was getting late for meeting, instead of preparing entire set she could recollect few numbers from her memory and reconstructed following partial financial table: <br \/>\r<br><br><img decoding=\"async\" width=245 height=416 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image082.jpg\" v:shapes=\"Picture_x0020_44\"><br><br \/>\r<br>Compute growth in PAT for FY12?<\/div><input type='hidden' name='question_id[]' id='qID_18' value='23254' \/><input type='hidden' id='answerType23254' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23254[]' id='answer-id-96343' class='answer   answerof-23254 ' value='96343'   \/><label for='answer-id-96343' id='answer-label-96343' class=' answer'><span>25%<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23254[]' id='answer-id-96344' class='answer   answerof-23254 ' value='96344'   \/><label for='answer-id-96344' id='answer-label-96344' class=' answer'><span>19%<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23254[]' id='answer-id-96345' class='answer   answerof-23254 ' value='96345'   \/><label for='answer-id-96345' id='answer-label-96345' class=' answer'><span>22%<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23254[]' id='answer-id-96346' class='answer   answerof-23254 ' value='96346'   \/><label for='answer-id-96346' id='answer-label-96346' class=' answer'><span>21%<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-19' style=';'><div id='questionWrap-19'  class='   watupro-question-id-23255'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>19. <\/span>Ms. Mary Brown is a credit rating analyst. She had prepared a detailed report on one of her client, FlyHigh <br \/>\r<br>Airlines Ltd, a company operating chartered aircrafts in India. As she was heading for a meeting with her superior on the matter, coffee spilled over her set of prepared paper(s). As she was getting late for meeting, instead of preparing entire set she could recollect few numbers from her memory and reconstructed following partial financial table: <br \/>\r<br><br><img decoding=\"async\" width=202 height=342 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image084.jpg\" v:shapes=\"Picture_x0020_45\"><br><br \/>\r<br>PAT margins are highest in which of the years?<\/div><input type='hidden' name='question_id[]' id='qID_19' value='23255' \/><input type='hidden' id='answerType23255' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23255[]' id='answer-id-96347' class='answer   answerof-23255 ' value='96347'   \/><label for='answer-id-96347' id='answer-label-96347' class=' answer'><span>FY12<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23255[]' id='answer-id-96348' class='answer   answerof-23255 ' value='96348'   \/><label for='answer-id-96348' id='answer-label-96348' class=' answer'><span>FY11<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23255[]' id='answer-id-96349' class='answer   answerof-23255 ' value='96349'   \/><label for='answer-id-96349' id='answer-label-96349' class=' answer'><span>FY10<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23255[]' id='answer-id-96350' class='answer   answerof-23255 ' value='96350'   \/><label for='answer-id-96350' id='answer-label-96350' class=' answer'><span>Equal in FY10 and FY12<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-20' style=';'><div id='questionWrap-20'  class='   watupro-question-id-23256'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>20. <\/span>Ms. Mary Brown is a credit rating analyst. She had prepared a detailed report on one of her client, FlyHigh <br \/>\r<br>Airlines Ltd, a company operating chartered aircrafts in India. As she was heading for a meeting with her superior on the matter, coffee spilled over her set of prepared paper(s). As she was getting late for meeting, instead of preparing entire set she could recollect few numbers from her memory and reconstructed following partial financial table: <br \/>\r<br><br><img decoding=\"async\" width=215 height=366 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image086.jpg\" v:shapes=\"Picture_x0020_46\"><br><br \/>\r<br>Compute Interest for FY10 and FY12?<\/div><input type='hidden' name='question_id[]' id='qID_20' value='23256' \/><input type='hidden' id='answerType23256' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23256[]' id='answer-id-96351' class='answer   answerof-23256 ' value='96351'   \/><label for='answer-id-96351' id='answer-label-96351' class=' answer'><span>Insufficient Information to compute<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23256[]' id='answer-id-96352' class='answer   answerof-23256 ' value='96352'   \/><label for='answer-id-96352' id='answer-label-96352' class=' answer'><span>FY10: INR50.53 Million; FY12:INR81.38 Million<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23256[]' id='answer-id-96353' class='answer   answerof-23256 ' value='96353'   \/><label for='answer-id-96353' id='answer-label-96353' class=' answer'><span>FY10: INR161.71 Million; FY12: INR252.27 Million<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23256[]' id='answer-id-96354' class='answer   answerof-23256 ' value='96354'   \/><label for='answer-id-96354' id='answer-label-96354' class=' answer'><span>FY10: INR17.47 Million; FY12:INR782.03 Million<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-21' style=';'><div id='questionWrap-21'  class='   watupro-question-id-23257'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>21. <\/span>\u201cFollowing four entities operate in the Indian IT and BPO space. They all are into same segment of providing off-shore analytical services. They all operate on the labour cost-arbitrage in India and the countries of their clients. Following information pertains for the year ended March 31, 2013. <br \/>\r<br><br><img decoding=\"async\" width=295 height=217 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image088.jpg\" v:shapes=\"Picture_x0020_47\"><br><br \/>\r<br><br><img decoding=\"async\" width=249 height=228 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image090.jpg\" v:shapes=\"Picture_x0020_49\"><br><br \/>\r<br>The year FY13, was typically a good year for Indian IT companies. For FY14, the economic analysts have given following predictions about the IT Industry: <br \/>\r<br>A) It is expected that INR will appreciate sharply against other USD. <br \/>\r<br>B) Given high inflation and attrition in IT Industry in India, the wages of IT sector employees will increase more sharply than Inflation and general wage rise in country. <br \/>\r<br>C) US Congress will be passing a bill which restricts the outsourcing to third world countries like India. <br \/>\r<br>While analyzing the four entities, you come across following findings related to Glowing: <br \/>\r<br>Glowing is promoted by Mr.M R Bhutta, who has earlier promoted two other business ventures, He started with ABC Entertainment Ltd in 1996 and was promoter and MD of the company. ABC was a listed entity and <br \/>\r<br>its share price had sharp movements at the time of stock market scam in late 1990s. In 1999, Mr.Bhutta sold his entire stake and resigned from the post of MD. The stock price declined by about 90% in coming days and has never recovered. Later on in 2003, Mr.Bhutta again promoted a new business, Klear Publications Ltd (KCL) an in the business of magazine publication. The entity had come out with a successful IPO and raised money from public. Thereafter it ran into troubles and reported losses. In 2009, Mr.Bhutta went on to exit this business as well by selling stake to other promoter(s). There have been reports in both instances with allegations that promoters have siphoned off money from listed entities to other group entities, however, nothing has been proved in any court.\u201d <br \/>\r<br>Which of the following risks do not exist for Indian IT industry?<\/div><input type='hidden' name='question_id[]' id='qID_21' value='23257' \/><input type='hidden' id='answerType23257' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23257[]' id='answer-id-96355' class='answer   answerof-23257 ' value='96355'   \/><label for='answer-id-96355' id='answer-label-96355' class=' answer'><span>Raw material price risk, Exchange rate Risk<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23257[]' id='answer-id-96356' class='answer   answerof-23257 ' value='96356'   \/><label for='answer-id-96356' id='answer-label-96356' class=' answer'><span>Interest rate risk, Skilled Manpower Risk<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23257[]' id='answer-id-96357' class='answer   answerof-23257 ' value='96357'   \/><label for='answer-id-96357' id='answer-label-96357' class=' answer'><span>Exchange Rate Risk, Interest rate risk<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23257[]' id='answer-id-96358' class='answer   answerof-23257 ' value='96358'   \/><label for='answer-id-96358' id='answer-label-96358' class=' answer'><span>Domestic and international regulatory risk, technological risk<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-22' style=';'><div id='questionWrap-22'  class='   watupro-question-id-23258'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>22. <\/span>\u201cFollowing four entities operate in the Indian IT and BPO space. They all are into same segment of providing off-shore analytical services. They all operate on the labour cost-arbitrage in India and the countries of their clients. Following information pertains for the year ended March 31, 2013. <br \/>\r<br><br><img decoding=\"async\" width=472 height=123 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image092.jpg\" v:shapes=\"Picture_x0020_50\"><br><br \/>\r<br><br><img decoding=\"async\" width=367 height=177 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image094.jpg\" v:shapes=\"Picture_x0020_51\"><br><br \/>\r<br><br><img decoding=\"async\" width=389 height=356 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image096.jpg\" v:shapes=\"Picture_x0020_52\"><br><br \/>\r<br>The year FY13, was typically a good year for Indian IT companies. For FY14, the economic analysts have given following predictions about the IT Industry: <br \/>\r<br>A) It is expected that INR will appreciate sharply against other USD. <br \/>\r<br>B) Given high inflation and attrition in IT Industry in India, the wages of IT sector employees will increase more sharply than Inflation and general wage rise in country. <br \/>\r<br>C) US Congress will be passing a bill which restricts the outsourcing to third world countries like India. <br \/>\r<br>While analyzing the four entities, you come across following findings related to Glowing: <br \/>\r<br>Glowing is promoted by Mr.M R Bhutta, who has earlier promoted two other business ventures, He started with ABC Entertainment Ltd in 1996 and was promoter and MD of the company. ABC was a listed entity and its share price had sharp movements at the time of stock market scam in late 1990s. In 1999, Mr. Bhutta sold his entire stake and resigned from the post of MD. The stock price declined by about 90% in coming days and <br \/>\r<br>has never recovered. Later on in 2003, Mr. Bhutta again promoted a new business, Klear Publications Ltd (KCL) an in the business of magazine publication. The entity had come out with a successful IPO and raised money from public. Thereafter it ran into troubles and reported losses. In 2009, Mr. Bhutta went on to exit this business as well by selling stake to other promoter(s). There have been reports in both instances with allegations that promoters have siphoned off money from listed entities to other group entities, however, nothing has been proved in any court.\u201d <br \/>\r<br>Which entity is best in terms of overall gearing ratio and net gearing ratio respectively:<\/div><input type='hidden' name='question_id[]' id='qID_22' value='23258' \/><input type='hidden' id='answerType23258' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23258[]' id='answer-id-96359' class='answer   answerof-23258 ' value='96359'   \/><label for='answer-id-96359' id='answer-label-96359' class=' answer'><span>Glowing and Beautiful<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23258[]' id='answer-id-96360' class='answer   answerof-23258 ' value='96360'   \/><label for='answer-id-96360' id='answer-label-96360' class=' answer'><span>Handsome and Handsome<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23258[]' id='answer-id-96361' class='answer   answerof-23258 ' value='96361'   \/><label for='answer-id-96361' id='answer-label-96361' class=' answer'><span>Glamorous and Glowing<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23258[]' id='answer-id-96362' class='answer   answerof-23258 ' value='96362'   \/><label for='answer-id-96362' id='answer-label-96362' class=' answer'><span>Glamorous and Glamorous<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class='watu-question ' id='question-23' style=';'><div id='questionWrap-23'  class='   watupro-question-id-23259'>\n\t\t\t<div class='question-content'><div><span class='watupro_num'>23. <\/span>\u201cFollowing four entities operate in the Indian IT and BPO space. They all are into same segment of providing off-shore analytical services. They all operate on the labour cost-arbitrage in India and the countries of their clients. Following information pertains for the year ended March 31, 2013. <br \/>\r<br><br><img decoding=\"async\" width=465 height=342 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image098.jpg\" v:shapes=\"Picture_x0020_53\"><br><br \/>\r<br><br><img decoding=\"async\" width=356 height=325 src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/uploads\/2018\/exams\/CCRA-L2%20V8.files\/image100.jpg\" v:shapes=\"Picture_x0020_54\"><br><br \/>\r<br>The year FY13, was typically a good year for Indian IT companies. For FY14, the economic analysts have given following predictions about the IT Industry: <br \/>\r<br>A) It is expected that INR will appreciate sharply against other USD. <br \/>\r<br>B) Given high inflation and attrition in IT Industry in India, the wages of IT sector employees will increase more sharply than Inflation and general wage rise in country. <br \/>\r<br>C) US Congress will be passing a bill which restricts the outsourcing to third world countries like India.While analyzing the four entities, you come across following findings related to Glowing: <br \/>\r<br>Glowing is promoted by Mr.M R Bhutta, who has earlier promoted two other business ventures, He started with ABC Entertainment Ltd in 1996 and was promoter and MD of the company. ABC was a listed entity and its share price had sharp movements at the time of stock market scam in late 1990s. In 1999, Mr.Bhutta sold his entire stake and resigned from the post of MD. The stock price declined by about 90% in coming days and has never recovered. Later on in 2003, Mr.Bhutta again promoted a new business, Klear Publications Ltd (KCL) an in the business of magazine publication. The entity had come out with a successful IPO and raised money from public. Thereafter it ran into troubles and reported losses. In 2009, Mr.Bhutta went on to exit this business as well by selling stake to other promoter(s). There have been reports in both instances with allegations that promoters have siphoned off money from listed entities to other group entities, however, nothing has been proved in any court.\u201d <br \/>\r<br>Based solely on Total Debt to EBITDA and Interest Coverage, which of the four entities is best amongst the four respectively:<\/div><input type='hidden' name='question_id[]' id='qID_23' value='23259' \/><input type='hidden' id='answerType23259' value='radio'><!-- end question-content--><\/div><div class='question-choices watupro-choices-columns '><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23259[]' id='answer-id-96363' class='answer   answerof-23259 ' value='96363'   \/><label for='answer-id-96363' id='answer-label-96363' class=' answer'><span>Glamorous and Glamorous<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23259[]' id='answer-id-96364' class='answer   answerof-23259 ' value='96364'   \/><label for='answer-id-96364' id='answer-label-96364' class=' answer'><span>Glamorous and Glowing<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23259[]' id='answer-id-96365' class='answer   answerof-23259 ' value='96365'   \/><label for='answer-id-96365' id='answer-label-96365' class=' answer'><span>Glowing and Beautiful<\/span><\/label><\/div><div class='watupro-question-choice  ' dir='auto' ><input type='radio' name='answer-23259[]' id='answer-id-96366' class='answer   answerof-23259 ' value='96366'   \/><label for='answer-id-96366' id='answer-label-96366' class=' answer'><span>Glamorous and Glamorous<\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div style='display:none' id='question-24'>\n\t<div class='question-content'>\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\" alt=\"Loading...\" title=\"Loading...\" \/>&nbsp;Loading...\t<\/div>\n<\/div>\n\n<br \/>\n\t\n\t\t\t<div class=\"watupro_buttons flex \" id=\"watuPROButtons836\" >\n\t\t  <div id=\"prev-question\" style=\"display:none;\"><input type=\"button\" value=\"&lt; Previous\" onclick=\"WatuPRO.nextQuestion(event, 'previous');\"\/><\/div>\t\t  \t\t  \t\t   \n\t\t   \t  \t\t<div><input type=\"button\" name=\"action\" class=\"watupro-submit-button\" onclick=\"WatuPRO.submitResult(event)\" id=\"action-button\" value=\"View Results\"  \/>\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t<input type=\"hidden\" name=\"quiz_id\" value=\"836\" id=\"watuPROExamID\"\/>\n\t<input type=\"hidden\" name=\"start_time\" id=\"startTime\" value=\"2026-05-21 18:27:24\" \/>\n\t<input type=\"hidden\" name=\"start_timestamp\" id=\"startTimeStamp\" value=\"1779388044\" \/>\n\t<input type=\"hidden\" name=\"question_ids\" value=\"\" \/>\n\t<input type=\"hidden\" name=\"watupro_questions\" value=\"23237:96275,96276,96277,96278 | 23238:96279,96280,96281,96282 | 23239:96283,96284,96285,96286 | 23240:96287,96288,96289,96290 | 23241:96291,96292,96293,96294 | 23242:96295,96296,96297,96298 | 23243:96299,96300,96301,96302 | 23244:96303,96304,96305,96306 | 23245:96307,96308,96309,96310 | 23246:96311,96312,96313,96314 | 23247:96315,96316,96317,96318 | 23248:96319,96320,96321,96322 | 23249:96323,96324,96325,96326 | 23250:96327,96328,96329,96330 | 23251:96331,96332,96333,96334 | 23252:96335,96336,96337,96338 | 23253:96339,96340,96341,96342 | 23254:96343,96344,96345,96346 | 23255:96347,96348,96349,96350 | 23256:96351,96352,96353,96354 | 23257:96355,96356,96357,96358 | 23258:96359,96360,96361,96362 | 23259:96363,96364,96365,96366\" \/>\n\t<input type=\"hidden\" name=\"no_ajax\" value=\"0\">\t\t\t<\/form>\n\t<p>&nbsp;<\/p>\n<\/div>\n\n<script type=\"text\/javascript\">\n\/\/jQuery(document).ready(function(){\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \t\nvar question_ids = \"23237,23238,23239,23240,23241,23242,23243,23244,23245,23246,23247,23248,23249,23250,23251,23252,23253,23254,23255,23256,23257,23258,23259\";\nWatuPROSettings[836] = {};\nWatuPRO.qArr = question_ids.split(',');\nWatuPRO.exam_id = 836;\t    \nWatuPRO.post_id = 3124;\nWatuPRO.store_progress = 0;\nWatuPRO.curCatPage = 1;\nWatuPRO.requiredIDs=\"0\".split(\",\");\nWatuPRO.hAppID = \"0.60910500 1779388044\";\nvar url = \"https:\/\/www.dumpsbase.com\/freedumps\/wp-content\/plugins\/watupro\/show_exam.php\";\nWatuPRO.examMode = 1;\nWatuPRO.siteURL=\"https:\/\/www.dumpsbase.com\/freedumps\/wp-admin\/admin-ajax.php\";\nWatuPRO.emailIsNotRequired = 0;\nWatuPROIntel.init(836);\nWatuPRO.inCategoryPages=1;});    \t \n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>CCRA Level 2 CCRA-L2 exam is one of the CCRA certification exams. The Certified Credit Research Analyst (CCRA\u2122) is a comprehensive global education program designed to give an expert level understanding of credit markets to fresh graduates and experienced professionals. New CCRA-L2 exam questions are valid for passing your CCRA-L2 exam. Free CCRA-L2 Dumps Online, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[5552,5553],"tags":[5547,5548,5550,5549,5551],"class_list":["post-3124","post","type-post","status-publish","format-standard","hentry","category-aiwmi","category-certified-credit-research-analyst","tag-ccra-l2","tag-ccra-l2-dumps","tag-ccra-l2-exam-dumps","tag-ccra-l2-exam-questions","tag-ccra-l2-free-dumps"],"_links":{"self":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/3124","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/comments?post=3124"}],"version-history":[{"count":2,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/3124\/revisions"}],"predecessor-version":[{"id":3127,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/posts\/3124\/revisions\/3127"}],"wp:attachment":[{"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/media?parent=3124"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/categories?post=3124"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.dumpsbase.com\/freedumps\/wp-json\/wp\/v2\/tags?post=3124"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}