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Listening Quiz: Thảo Luận Tuân Thủ Điều Khoản Cam Kết Ngân Hàng – Advanced Level
Th7 4, 2025
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bởi
Anna Phạm
trong
Tiếng Anh dành cho Chuyên viên phân tích tài chính (English for Financial Analyst)
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1.
What is the main purpose of Mia and Kevin’s discussion?
To discuss hiring more staff for the finance team
To negotiate a lower interest rate with the bank
To review and maintain compliance with bank covenant terms
To plan a new bank loan application
Explanation:
The conversation focuses on reviewing bank covenant terms, checking ratios, documenting compliance, and keeping the bank informed to stay in compliance.
2.
What can the bank do if the company fails to comply with the covenant terms?
Cancel the monthly meetings
Lower the required ratios
Freeze all employee salaries
Demand early repayment
Explanation:
Kevin says that if they fail to comply, the bank can demand early repayment.
3.
Which ratio does Mia say must stay above the agreed minimum?
Debt-to-equity ratio
Current ratio
Interest coverage ratio
Gross profit ratio
Explanation:
Mia specifically says, ‘It must stay above the agreed minimum’ in reference to the interest coverage ratio.
4.
Why does Kevin want to prepare a report every quarter and set alerts for key ratios?
To replace the legal team’s contract review
To reduce the number of monthly meetings
To avoid communicating with the bank
To help track compliance and catch problems early
Explanation:
The discussion shows they want to monitor ratios closely and document compliance, so quarterly reports and alerts would help track compliance and spot issues early.
5.
What will Kevin do next according to the conversation?
Cancel the monthly meetings
Rewrite the covenant contract terms
Send the bank a final repayment notice
Invite both finance and legal teams
Explanation:
Kevin says, ‘I will invite both finance and legal teams,’ which is the next action he states.
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