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Free AIWMI CCRA-L2 Practice Exam with Questions & Answers | Set: 3

Questions 21

Provisioning Coverage Ratio (PCR) is essentially the ratio of provisioning to ______ and indicates the extent

of funds a bank has kept aside to cover loan losses.

Options:
A.

total loan portfolio

B.

gross non-performing assets

C.

total assets

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Questions 22

Which of the following statement is false?

Options:
A.

DEF Ltd. has received a speculative grade rating as its outstanding rating is B+

B.

Non-Convertible debenture of PQR Ltd. has a speculative rating since its outstanding rating is C

C.

ABC Ltd. short term is BBB- for its commercial paper

D.

XYZ has an investment grade rating as his outstanding rating is A1

Questions 23

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:

CCRA-L2 Question 23

Which of the four entities has best interest coverage ratios?

Options:
A.

C Ltd

B.

D Ltd

C.

A Ltd

D.

B Ltd

Questions 24

If XYZ Ltd. incurs (with purchase and installation of machinery) using cash, which of the following ratios will remain unchanged, if all other things remain constant?

Options:
A.

None of the three

B.

Asset Turnover ratio

C.

Current Ratio

D.

Quick Ratio

Questions 25

Under an advance factoring contract, following flow of money takes place:

Options:
A.

Factor pays a percentage of the invoice face value to the seller at the time of sale

B.

The remainder of the purchase price is held by factor until the payment by the account debtor is made.

C.

The cost associated with the transaction is paid upfront by the seller to the factoring agent.

D.

Only B

E.

A, B and C

F.

Only C

G.

Only A and B

Exam Code: CCRA-L2
Certification Provider: AIWMI
Exam Name: Certified Credit Research Analyst Level 2
Last Update: Oct 15, 2025
Questions: 84

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