Find Interview Questions for Ontario teachers' pension plan

Right Answer:
The bank should carefully assess the risks and potential returns of offering loans to sub-prime borrowers, considering factors like default rates and overall market conditions. For the retail store client, analyze their financial situation, identify cost-cutting measures, and suggest strategies to increase sales, such as improving marketing or diversifying product offerings.

Right Answer:
The factors that affect working capital requirement include:

1. **Nature of Business**: Different industries have varying working capital needs.
2. **Business Cycle**: Economic conditions can influence sales and inventory levels.
3. **Seasonality**: Seasonal fluctuations in demand can impact inventory and cash flow.
4. **Credit Policy**: The terms offered to customers can affect accounts receivable.
5. **Inventory Management**: Levels of inventory held can influence cash tied up in stock.
6. **Supplier Terms**: Payment terms with suppliers can affect cash outflows.
7. **Sales Volume**: Higher sales typically require more working capital.
8. **Operational Efficiency**: Efficient operations can reduce the need for working capital.
9. **Market Conditions**: Competitive pressures can impact pricing and sales.
10. **Growth Rate**: Rapid growth may require additional working capital to support expansion.

Right Answer:
Fund-based lending refers to the provision of loans or credit by banks that involves the actual disbursement of funds to borrowers. The various forms of fund-based lending by banks include:

1. Term Loans
2. Working Capital Loans
3. Overdraft Facilities
4. Cash Credit
5. Demand Loans
6. Bill Discounting

Right Answer:
The amount invested in scheme B is Rs. 1000.

Right Answer:
Financial Statement Analysis is the process of evaluating a company's financial statements to understand its financial health, performance, and trends over time. This involves examining the balance sheet, income statement, and cash flow statement to assess profitability, liquidity, solvency, and operational efficiency.

Right Answer:
The different types of data analysis are:

1. Descriptive Analysis
2. Diagnostic Analysis
3. Predictive Analysis
4. Prescriptive Analysis
5. Exploratory Analysis

Right Answer:
SQL (Structured Query Language) is used in data analysis to query, manipulate, and manage data stored in relational databases. It allows analysts to retrieve specific data, perform calculations, filter results, and aggregate information to derive insights from large datasets.

Right Answer:
Data normalization is the process of organizing data in a database to reduce redundancy and improve data integrity. It involves structuring the data into tables and defining relationships between them. Normalization is important because it helps eliminate duplicate data, ensures data consistency, and makes it easier to maintain and update the database.

Right Answer:
The different types of data distributions include:

1. Normal Distribution
2. Binomial Distribution
3. Poisson Distribution
4. Uniform Distribution
5. Exponential Distribution
6. Log-Normal Distribution
7. Geometric Distribution
8. Beta Distribution
9. Chi-Squared Distribution
10. Student's t-Distribution

Right Answer:
A pivot table is a data processing tool that summarizes and analyzes data in a spreadsheet, like Excel. You use it by selecting your data range, then inserting a pivot table, and dragging fields into rows, columns, values, and filters to organize and summarize the data as needed.

Right Answer:
Could you please specify the exact question related to databases?

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Yes, banks face significant challenges from money laundering when attracting deposits. Money laundering can lead to reputational damage, regulatory penalties, and financial losses. Banks must implement strict compliance measures and due diligence processes to detect and prevent illicit activities, which can complicate their efforts to attract legitimate deposits.

Right Answer:
To depict dependency in MS Project, you can link tasks by selecting the tasks you want to connect, then clicking on the "Link Tasks" button in the toolbar or using the shortcut Ctrl + F2. This creates a finish-to-start dependency by default. You can also adjust the type of dependency (finish-to-start, start-to-start, finish-to-finish, or start-to-finish) by double-clicking on the task and modifying the "Predecessors" tab.

Right Answer:
BRD (Business Requirements Document) outlines the high-level business needs and objectives. SRS (Software Requirements Specification) details the functional and non-functional requirements for the software. Use Case documents describe specific interactions between users and the system to achieve particular goals.

Right Answer:
The fields used for Project Planning in MS Project include:

1. Task Name
2. Duration
3. Start Date
4. Finish Date
5. Predecessors
6. Resources
7. Percent Complete
8. Work
9. Cost
10. Milestones

Right Answer:
The Modigliani-Miller (M&M) approach is a theory in corporate finance that states that, under certain conditions, a firm's value is unaffected by its capital structure (the mix of debt and equity financing). This means that the way a company finances itself does not impact its overall value or the cost of capital, assuming no taxes, bankruptcy costs, or asymmetric information.

Right Answer:
Merchant banks perform several functions when a company wants to raise funds from intermediaries, including:

1. **Advisory Services**: Providing guidance on the best methods to raise capital.
2. **Underwriting**: Guaranteeing the sale of securities by purchasing them and reselling to the public.
3. **Syndication**: Organizing a group of banks or investors to share the risk of financing.
4. **Placement**: Finding investors to buy the securities directly.
5. **Valuation**: Assessing the company's worth to determine the appropriate pricing of securities.
6. **Regulatory Compliance**: Ensuring that all legal and regulatory requirements are met during the fundraising process.

Right Answer:
Net Present Value (NPV) is the difference between the present value of cash inflows and the present value of cash outflows over a period of time.

**Acceptance Rules:**
1. Accept projects with a positive NPV.
2. Reject projects with a negative NPV.
3. If NPV is zero, the project can be considered indifferent.

**Advantages:**
- Considers the time value of money.
- Provides a clear measure of profitability.
- Helps in comparing different investment opportunities.

**Disadvantages:**
- Requires accurate estimation of future cash flows.
- Sensitive to the discount rate used.
- Can be complex to calculate for large projects.

Right Answer:
Balanced Capitalization refers to a financial structure where a company maintains an optimal mix of debt and equity financing, ensuring that neither is overly dominant. This balance helps minimize the overall cost of capital while maximizing financial stability and growth potential.

Right Answer:
The time value of money (TVM) is the concept that money available today is worth more than the same amount in the future due to its potential earning capacity. Techniques used for this include Present Value (PV), Future Value (FV), Net Present Value (NPV), and Internal Rate of Return (IRR).