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CTP Exam Dumps For Certification Exam Preparation
NEW QUESTION # 231
A company has decided to manage its short-term investment portfolio in-house. It is looking for enhanced capital gains as well as the ability to sell the instruments on the secondary market at a premium. The investment manager has forecasted the interest rates shown below:
Which investment strategy should be employed by the company?
- A. Total-return strategy
- B. Tax-based strategy
- C. Passive strategy
- D. Matching strategy
Answer: A
NEW QUESTION # 232
A properly designed concentration system will potentially achieve which of the following results?
I) Increased authority to field offices
II) Increased investment income
III) Improved ability to take discounts
IV) Reduced dependence on third-party concentration vendors
- A. I and II only
- B. II, III, and IV only
- C. IV only
- D. II and III only
Answer: D
NEW QUESTION # 233
Under Section 404 of the Sarbanes-Oxley Act, management must state its responsibility for which of the following?
- A. Accuracy and completeness of financial statements
- B. Selection of auditors who are knowledgeable about Sarbanes-Oxley requirements
- C. Establishment and maintenance of adequate internal controls for financial reporting
- D. Knowledge of the penalties for noncompliance
Answer: C
NEW QUESTION # 234
A company pays its vendors with the following methods:
* 2,600 checks, averaging $1,000 each, issued on the 15th of the month
* 1,000 ACH payments, averaging $2,000 each, on Wednesdays
* 500 ACH payments, averaging $500 each, on the first Monday of the month
* 10 wires on the last day of the month for approximately $260,000 each If the company has a daylight overdraft agreement, which of the above presents the highest single-day credit risk for the bank if the company enters bankruptcy?
- A. The checks
- B. The ACH payments issued on the first Monday of the month
- C. The ACH payments issued on Wednesdays
- D. The wires
Answer: D
NEW QUESTION # 235
A digital signature cannot be forged if:
- A. it has undergone authentication.
- B. the private key is never shared with anyone.
- C. it is RSA-encrypted.
- D. maintained by a certificate authority.
Answer: B
NEW QUESTION # 236
A large multinational company recently implemented new processes to automate its treasury operations. If these changes were the direct result of comparing the company's practices with those of other companies, the activities could be considered an example of which of the following?
I) Liquidating
II) Re-engineering
III) Benchmarking
IV) Forecasting
- A. I, II, and IV only
- B. I, II, and III only
- C. I and III only
- D. II and III only
Answer: D
NEW QUESTION # 237
The yield on any short-term investment instrument is a function of the maturity or holding period, the amount paid and:
- A. the cash flows received.
- B. the money market yield.
- C. the after-tax yield.
- D. the issuing price.
Answer: A
NEW QUESTION # 238
A company has been in business for five years and has decided it is time to go public. For the last five years, the company has not concentrated on documenting internal controls and operating procedures. What position will the company need to create to manage this function?
- A. Internal auditor
- B. Manager of operations
- C. Risk manager
- D. Chief operating officer
Answer: D
NEW QUESTION # 239
All of the following factors influence a company's decision to use electronic commerce EXCEPT:
- A. redefined customer and supplier relationships.
- B. increased accuracy.
- C. increased information flow.
- D. increased inventory levels.
Answer: D
NEW QUESTION # 240
A foreign company could raise capital in the United States using an:
- A. ASP.
- B. AR
- C. ADR.
- D. AVS.
Answer: C
NEW QUESTION # 241
Which of the following is NOT true for both bankers' acceptances and trade acceptances?
- A. They both may be sold to an investor at a discount prior to maturity.
- B. They are both less expensive forms of financing than loans.
- C. They are both used to finance the shipment of goods.
- D. They both transfer the buyer's credit risk to a third party.
Answer: D
NEW QUESTION # 242
A town has $25 million excess funds to invest long term. The town's investment policy requires it have full FDIC coverage on all investments. The town is willing to do its own due diligence on the financial institutions that they invest in, but would prefer to have one statement. Which of the following investment options meets its requirements?
- A. Separately managed diversified portfolio
- B. Institutional Money Market Account
- C. Certificate of Deposit Account Registry Service
- D. Jumbo Certificates of Deposit
Answer: C
NEW QUESTION # 243
The key parties involved in a disaster recovery plan are generally classified as internal resources or external counterparties. When evaluating the risks of both parties, which of the following can be assumed?
- A. The disaster recovery sites of both parties must be in the same location.
- B. The infrastructure linking the parties' systems must be considered.
- C. The review of internal resources takes greater importance.
- D. The systems used by both parties must be compatible.
Answer: B
NEW QUESTION # 244
Securities sold by companies in an initial public offering (IPO) arE.
- A. public securities sold by a private company for the first time.
- B. debt securities sold on the open market.
- C. a specific type of security sold by a public company for the first time.
- D. securities sold by a private company to a limited number of investors.
Answer: A
NEW QUESTION # 245
Which of the following investment instruments would provide a company with the greatest liquidity and least risk?
- A. Certificate of deposit
- B. Commercial paper
- C. Treasury bill
- D. Certificate of participation
Answer: C
NEW QUESTION # 246
Which of the following is NOT one of the three goals of a disbursement system?
- A. Information access
- B. Fraud prevention
- C. Centralize payments
- D. Bank relationship management
Answer: D
NEW QUESTION # 247
"Fees" in Country Y, which would be considered bribes in the United States, are ingrained in the commercial culture. A U.S. company doing business in Country Y:
- A. is prohibited by U.S. law from paying "fees" in Country Y.
- B. may pay the "fee" in Country Y but cannot take an IRS tax deduction.
- C. may have moral but not legal issues with paying "fees" in Country Y.
- D. may receive an IRS tax credit for "fees" paid in Country Y.
Answer: A
NEW QUESTION # 248
Under Section 404 of the Sarbanes-Oxley Act, management must state its responsibility for which of the following?
- A. Accuracy and completeness of financial statements
- B. Selection of auditors who are knowledgeable about Sarbanes-Oxley requirements
- C. Establishment and maintenance of adequate internal controls for financial reporting
- D. Knowledge of the penalties for noncompliance
Answer: C
NEW QUESTION # 249
Based on the following information, how much money will XYZ Company owe the bank for monthly service charges after the earnings credit is applied?
Average Ledger Balance $500,000
Deposit Float$10,000
Reserve Requirement10%
Earnings Credit Rate5%
Monthly Service Charges$5,000
Days in month30
- A. $561.64
- B. $0
- C. $436.99
- D. $68.49
Answer: B
NEW QUESTION # 250
XYZ Company has decided to transition the responsibility for its hedging activities from the local offices to the head office; however, the local offices will continue to choose their own depository banks. Under the new structure, XYZ's treasury operations will be:
- A. centralized.
- B. combined.
- C. decentralized.
- D. shared service center.
Answer: A
NEW QUESTION # 251
Check MICR line information includes which of the following?
I. Bank of deposit identification number
II. Payee bank identification number
III. Federal Reserve bank code
IV. Payor's account number
- A. I only
- B. III and IV only
- C. I, II, III, and IV
- D. II, III, and IV only
Answer: B
NEW QUESTION # 252
An L/C in favor of a U.S. exporter is issued by a bank in an emerging-market country, and it is confirmed by the exporter's bank. What risk is reduced for the U.S. exporter?
- A. Valuation risk
- B. Re-investment risk
- C. Currency risk
- D. Credit risk
Answer: D
NEW QUESTION # 253
Which of the following is considered an important factor when selecting a financial service provider?
- A. Expertise of bank personnel
- B. CAMELS score
- C. Country of origin
- D. Timely response to the RFP
Answer: A
NEW QUESTION # 254
For ABC Company in the last fiscal year, the operating profit was $8,500,000, the tax rate was 33%, the total capital was $75,000,000, and the WACC was 9.7%. What was the EVA for ABC?
- A. $(1,580,000)
- B. $1,225,000
- C. $8,500,000
- D. $(4,470,000)
Answer: A
NEW QUESTION # 255
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