ফিন্যান্স, ব্যাংকিং ও বিমা ১ম পত্র · অধ্যায় ৬ — MCQ ও উত্তর

এইচএসসি প্রস্তুতি · ফিন্যান্স, ব্যাংকিং ও বিমা ১ম পত্র। এই অধ্যায়ে মোট 260টি প্রশ্ন আছে। নিচে প্রথম 10টি প্রশ্ন ও সঠিক উত্তর দেওয়া হলো।

এই অধ্যায়ে সব প্রশ্নে অনুশীলন করুন

1. Common shareholders receive their portion of profit: (i) After paying interest to debenture holders (ii) After paying preference dividends (iii) After paying corporate taxes.

   1. i & ii
   2. i & iii
   3. ii & iii
   4. i, ii & iii

   সঠিক উত্তর: i, ii & iii

   ব্যাখ্যা: Common shareholders are residual claimants; they get paid last after all obligations are met.

2. Components of flotation cost (issue cost) include: (i) Underwriter's commission (ii) Legal fees (iii) Sales commission. Which is correct?

   1. i & ii
   2. i & iii
   3. ii & iii
   4. i, ii & iii

   সঠিক উত্তর: i, ii & iii

   ব্যাখ্যা: Flotation costs include all expenses incurred by a company to issue new securities to the public.

3. GMC is an export-oriented company wanting to set up a new plant requiring a large fund. Through which market can GMC raise this fund?

   1. Wholesale Market
   2. Money Market
   3. Primary Market
   4. Secondary Market

   সঠিক উত্তর: Primary Market

   ব্যাখ্যা: The primary market is where a company issues new securities for the first time to raise capital.

4. To raise a large fund for a new plant, a company can: (i) Issue shares (ii) Issue debentures (iii) Issue commercial paper. Which is correct?

   1. i & ii
   2. i & iii
   3. ii & iii
   4. i, ii & iii

   সঠিক উত্তর: i & ii

   ব্যাখ্যা: Commercial paper is a short-term instrument, whereas plant expansion requires long-term funds (shares/bonds).

5. What is the full form of YTM?

   1. Year to Month
   2. Yield to Maturity
   3. Year to Maturity
   4. Yield to Month

   সঠিক উত্তর: Yield to Maturity

   ব্যাখ্যা: Yield to Maturity is the total return anticipated on a bond if it is held until it matures.

6. Which of the following is considered a risk-free security?

   1. Treasury Bill
   2. Shares
   3. Bond
   4. Mutual Fund

   সঠিক উত্তর: Treasury Bill

   ব্যাখ্যা: Treasury bills are backed by the government and are considered to have zero default risk.

7. Which of the following is a source of long-term financing?

   1. Treasury Bill
   2. Commercial Bank
   3. Commercial Paper
   4. Treasury Bond

   সঠিক উত্তর: Treasury Bond

   ব্যাখ্যা: Treasury Bonds are long-term debt instruments (usually >1 year) issued by the government.

8. Methods to determine returns from bonds include: (i) Yield to Maturity (ii) Yield to Call (iii) Current Yield. Which is correct?

   1. i & ii
   2. i & iii
   3. ii & iii
   4. i, ii & iii

   সঠিক উত্তর: i, ii & iii

   ব্যাখ্যা: All three are standard methods for calculating the return or yield on bond investments.

9. Mr. Syed bought a bond with a face value of 2,000 at a market price of 720. Maturity is 10 years and coupon rate is 7%. What is the Yield to Maturity (YTM)?

   1. 19.70%
   2. 20.21%
   3. 21.17%
   4. 24.22%

   সঠিক উত্তর: 20.21%

   ব্যাখ্যা: $YTM = \frac{I + (FV-SV)/n}{(FV+SV)/2} = \frac{140 + (2000-720)/10}{(2000+720)/2} \approx 20.21\%$.

10. The logic for Mr. Syed buying the bond is: (i) Guaranteed interest (ii) Guarantee of receiving invested money (iii) Gaining company ownership.

    1. i & ii
    2. i & iii
    3. ii & iii
    4. i, ii & iii

    সঠিক উত্তর: i & ii

    ব্যাখ্যা: Bondholders are creditors, not owners; they get fixed interest and principal repayment.