Bankfachbegriffe lernen: Online-Quiz für Bankkaufleute

Question 1

Which of the following terms describes a loan secured by collateral?

Accepted Answer

Mortgage

Answer

Overdraft

Answer

Credit Card

Answer

Investment

Question 2

What is the maximum amount of money that can be withdrawn from a checking account called?

Accepted Answer

Limit

Answer

Balance

Answer

Deposit

Answer

Rate

Question 3

What is the intended purpose of a standing order?

Accepted Answer

To make recurring payments automatically

Answer

To transfer funds between accounts

Answer

To cancel a credit card

Answer

To open a new account

Question 4

What is the term for the difference between the loan interest rate and the deposit interest rate?

Accepted Answer

Net Interest Margin

Answer

Gross Profit

Answer

Capital Adequacy Ratio

Answer

Liquidity Coverage Ratio

Question 5

Which of the following documents outlines the terms and conditions of a loan agreement?

Accepted Answer

Loan Agreement

Answer

Bank Statement

Answer

Credit Report

Answer

Investment Prospectus

Question 6

What type of investment aims to preserve capital and generate a stable income stream?

Accepted Answer

Fixed Income

Answer

Growth Stock

Answer

Mutual Fund

Answer

Exchange Traded Fund (ETF)

Question 7

Which of the following is a key principle of ethical banking?

Accepted Answer

Transparency and Accountability

Answer

Maximizing Shareholder Profits

Answer

Providing Credit to Risky Borrowers

Answer

Ignoring Environmental and Social Responsibility

Question 8

What is the primary function of a central bank?

Accepted Answer

Regulating the banking system and managing monetary policy

Answer

Providing financial services to individuals and businesses

Answer

Investing in government bonds and supporting the economy

Answer

Issuing currency and controlling inflation

Question 9

Which of these is not a type of deposit account?

Accepted Answer

Loan account

Answer

Checking account

Answer

Savings account

Answer

Money market account

Question 10

Which investment strategy seeks to reduce risk by spreading funds across different types of investments?

Accepted Answer

Diversification

Answer

Value investing

Answer

Growth investing

Answer

Income investing

Question 11

Which of the following is a fundamental principle of ethical banking?

Accepted Answer

Transparency in banking operations

Accepted Answer

Prioritizing customer well-being

Accepted Answer

Avoiding conflicts of interest

Answer

Maximizing profits as the primary objective

Question 12

What is a primary purpose of a bank statement?

Accepted Answer

Record financial transactions

Answer

Calculate interest on savings

Answer

Authorize bill payments

Answer

Manage investments

Question 13

Translate the following English banking term into German: 'savings account'

Accepted Answer

Sparkonto

Answer

Girokonto

Answer

Festgeldkonto

Answer

Tagesgeldkonto

Question 14

Which type of banking account is primarily used for everyday transactions?

Accepted Answer

Girokonto

Answer

Sparkonto

Answer

Festgeldkonto

Answer

Kreditkartenkonto

Question 15

What is the purpose of a 'credit card' in banking?

Accepted Answer

To make payments without using cash

Answer

To withdraw cash from ATMs

Answer

To store savings

Answer

To transfer money between accounts

Question 16

What is the German term for 'interest rate'?

Accepted Answer

Zinssatz

Answer

Gebühren

Answer

Provision

Answer

Kontoführungsgebühr

Question 17

What is the primary purpose of a 'SWIFT code' in international banking?

Accepted Answer

To facilitate international money transfers

Answer

To identify a specific bank branch

Answer

To verify the identity of a customer

Answer

To protect against fraud

Question 18

What is the term for an individual who holds and manages a bank account?

Accepted Answer

Kontoinhaber

Answer

Bankberater

Answer

Kassierer

Answer

Geschäftsführer

Question 19

Which of the following services is typically NOT offered by banks?

Accepted Answer

Real estate management

Answer

Currency exchange

Answer

Investment advice

Answer

Loan provision

Question 20

What is the primary purpose of a bank transfer ('Überweisung')?

Accepted Answer

To transfer money between accounts

Answer

To withdraw money from an account

Answer

To deposit money into an account

Answer

To apply for a loan

Question 21

Which of the following is the English equivalent of 'Bargeld'?

Accepted Answer

Cash

Answer

Currency

Answer

Money

Answer

Coins

Question 22

What is the main responsibility of a 'Bankkaufmann'?

Accepted Answer

Processing banking transactions

Answer

Providing financial advice

Answer

Managing investments

Answer

Assessing loan applications

Question 23

Translate the term 'Zinssatz' into English.

Accepted Answer

Interest Rate

Answer

Tax Rate

Answer

Exchange Rate

Answer

Inflation Rate

Question 24

What is the purpose of a 'Sparbuch'?

Accepted Answer

Saving money over time

Answer

Making large purchases

Answer

Applying for loans

Answer

Investing in stocks

Question 25

Which term refers to a loan that requires collateral, such as a house or car, as security?

Accepted Answer

Mortgage

Answer

Investment

Answer

Deposit

Answer

Equity

Question 26

What is the English term for the yearly interest rate charged on a credit card balance?

Accepted Answer

Annual Percentage Rate (APR)

Answer

Variable Rate

Answer

Fixed Rate

Answer

Prime Rate

Question 27

What is the term for a financial institution that accepts customer deposits and issues loans?

Accepted Answer

Bank

Answer

Insurance Company

Answer

Credit Union

Answer

Investment Fund

Question 28

Which of the following is not considered an investment option?

Accepted Answer

Life Insurance Policy

Answer

Stocks

Answer

Bonds

Answer

Real Estate

Question 29

What is the term for a professional who manages the financial affairs of others?

Accepted Answer

Financial Advisor

Answer

Accountant

Answer

Auditor

Answer

Tax Preparer

Question 30

What type of insurance protects against financial losses resulting from accidents?

Accepted Answer

Liability Insurance

Answer

Health Insurance

Answer

Property Insurance

Answer

Life Insurance

Question 31

What is the term for the charge imposed by a bank for processing a transaction?

Accepted Answer

Fee

Answer

Commission

Answer

Interest

Answer

Penalty

Question 32

What is a primary responsibility of a bank teller?

Accepted Answer

Opening and closing customer accounts

Answer

Providing financial advice

Answer

Managing investment portfolios

Answer

Processing loan applications

Question 33

Provide the English translation for the German banking term 'Girokonto':

Accepted Answer

Current account

Answer

Savings account

Answer

Loan account

Answer

Deposit account

Question 34

Which of the following types of bank accounts is primarily used for everyday transactions?

Accepted Answer

Current account

Answer

Business account

Answer

Savings account

Answer

Investment account

Question 35

What is the term used to describe a loan that requires the borrower to provide collateral as security?

Accepted Answer

Secured loan

Answer

Overdraft

Answer

Mortgage

Answer

Unsecured loan

Question 36

What is the primary purpose of a credit rating?

Accepted Answer

To assess a borrower's creditworthiness

Answer

To determine a borrower's interest rate

Answer

To calculate a borrower's loan amount

Answer

To provide financial advice to a borrower

Question 37

What is the term for the transaction process of taking money out of a bank account?

Accepted Answer

Withdrawal

Answer

Transfer

Answer

Payment

Answer

Deposit

Question 38

What is the acronym for the system that allows electronic funds to be transferred at the point of sale?

Accepted Answer

EFTPOS

Answer

ATM

Answer

POS

Answer

ACH

Question 39

What is the term for the set limit on the amount of money that can be taken out of an account without incurring charges?

Accepted Answer

Withdrawal limit

Answer

Balance limit

Answer

Overdraft limit

Answer

Transaction limit

Question 40

What is the acronym for the unique international identifier assigned to bank accounts?

Accepted Answer

IBAN

Answer

BIC

Answer

ISO

Answer

SWIFT

Question 41

Which type of investment generally offers a potentially higher return but also carries a higher risk?

Accepted Answer

Stocks

Answer

Bonds

Answer

Mutual funds

Answer

Savings accounts

Question 42

What is the name for a financial professional who provides advice and assistance in managing investments?

Accepted Answer

Financial planner

Answer

Tax consultant

Answer

Insurance agent

Answer

Broker

Question 43

What is the English equivalent of the German term "Girokonto"?

Accepted Answer

Current account

Answer

Credit account

Answer

Deposit account

Answer

Savings account

Question 44

What is the term for the interest paid on a deposit?

Accepted Answer

Interest

Answer

Fee

Answer

Dividend

Answer

Commission

Question 45

Which of the following is a type of financial instrument?

Accepted Answer

Stock

Answer

Car

Answer

Insurance policy

Answer

Real estate

Question 46

What does IBAN stand for in banking?

Accepted Answer

International Bank Account Number

Answer

International Business Account Number

Answer

Interbank Bank Account Number

Answer

Industry Bank Account Number

Question 47

What is the term for a loan that is not secured by collateral?

Accepted Answer

Unsecured loan

Answer

Personal loan

Answer

Business loan

Answer

Secured loan

Question 48

What is the term for the amount of money that a bank lends to a customer?

Accepted Answer

Loan

Answer

Investment

Answer

Deposit

Question 49

What is the term used to describe the interest rate charged on a mortgage?

Accepted Answer

Mortgage rate

Answer

Federal funds rate

Answer

LIBOR

Answer

Prime rate

Question 50

Which type of investment offers a fixed return over a specified period, typically with lower risk compared to stocks?

Accepted Answer

Bond

Answer

ETF

Answer

Mutual fund

Answer

Stock

Question 51

What is the term for the total value of all the assets owned by a financial institution?

Accepted Answer

Total assets

Answer

Liabilities

Answer

Net income

Answer

Equity

Question 52

What is the term for a fee charged by a financial institution for managing an investment account?

Accepted Answer

Management fee

Answer

Transaction fee

Answer

Interest expense

Answer

Service charge

Question 53

Which type of bank account provides unlimited check-writing privileges and easy access to funds?

Accepted Answer

Checking account

Answer

Money market account

Answer

Savings account

Question 54

What is the term for a legal document that outlines the terms and conditions of a loan, including repayment terms, interest rates, and other important details?

Accepted Answer

Loan agreement

Answer

Promissory note

Answer

Mortgage deed

Answer

Credit report

Question 55

Which term refers to a transaction that increases the balance of an account, typically representing a deposit or payment received?

Accepted Answer

Credit

Answer

Debit

Answer

Balance

Answer

Withdrawal

Question 56

What is the term for the central headquarters of a financial institution, where key decision-making and administrative functions are carried out?

Accepted Answer

Head office

Answer

Branch

Answer

Subsidy

Answer

Agency

Question 57

What type of bank account allows quick and easy access to the deposited funds?

Accepted Answer

Current account

Answer

Investment account

Answer

Savings account

Answer

Loan account

Question 58

Which banking transaction involves transferring money from one bank account to another?

Accepted Answer

Bank transfer

Answer

Cash withdrawal

Answer

Cheque

Answer

Standing order

Question 59

What is a loan specifically used for purchasing property called?

Accepted Answer

Mortgage

Answer

Loan

Answer

Overdraft

Answer

Credit card

Question 60

Which of the following can be considered a financial instrument?

Accepted Answer

Bond

Answer

Bank transfer

Answer

Loan

Answer

Current account

Question 61

What is the official document that proves ownership of a bond called?

Accepted Answer

Bond certificate

Answer

Standing order

Answer

Cheque

Question 62

Who or what entity borrows money by issuing bonds?

Accepted Answer

Issuer

Answer

Investor

Answer

Broker

Question 63

What is the name of the interest rate paid on a bond?

Accepted Answer

Coupon rate

Answer

Current rate

Answer

Libor

Answer

Prime rate

Question 64

What is the term used to describe the difference between a bond's face value and its market value?

Accepted Answer

Premium or discount

Answer

Yield

Answer

Accrued interest