CIBN Exams Past Questions and Answers PDF Download Up to Date

In preparation of the forthcoming Chartered Institute of Bankers of Nigeria examination, you can download the up-to-date CIBN Exams Past Questions and Answers PDF 2025 to enhance confidence and perspective.

CIBN past questions and answers has been well arranged and converted to pdf which is accessible by any device to aide adequate preparation. This study pack which are directly the previous exams questions of Chartered Institute of Bankers of Nigeria ranges from 2015-2020.

Getting this material will help you study better for this exams to ensure success at one sitting, don’t feel the exams is too difficult but even if you think so.

The primary aim of CIBN exams past questions is to help you discover the easy strategies to pass this examination.

What’s the Content of CIBN Past Questions?

• This material is in Portable Document Format (PDF)
• It contains the up to date exams questions of CIBN
• Correct answers according to the marking scheme has been given

Subject or study area this past questions cover includes Practice of Banking, Banking Law, Ethics, Corporate Governance, International Trade and Finance, Banking Lending and Credit Administration.

Aforementioned are the aspect which CIBN exams usually covers and this material strictly has the original questions and answers in those aspects.

See below how to process payment to get access to this material, kindly note it is softcopy (pdf) and is accessible by any device.

Sample of CIBN Past Questions PDF

Question 1

(a) A Company’s Credit Policy should be in a formal document approved by the Board of Directors. Whether the Policy is expressed formally or informally, there should be basic factors addressed in the Policy document.

Required:

State five components (factors) of a bank’s Lending Policy. (10 marks)

(b) For all customers, historically and theoretically, bankers are only willing and prepared to lend if the proposition stands up on its own without the support of security.

Required:

Give five cogent reasons why bankers, on many occasions, insist upon a sufficient margin
of security before granting an advance. (5 marks)

(c) In order to control/minimize credit risks, it is imperative that appropriate standard process
and procedures are developed and implemented.

Required:

Analyse five major ways a bank can adopt to control credit risks. (5 marks)

Question 2

(a) The bank, on one hand as a lender, and the borrower on the other hand usually, negotiate and agree on restrictive covenants as part of the terms and conditions precedent to the approval of a loan application.

Required:

(i) Briefly explain the two types of loan covenants that are common to most credit agreements. (6 marks)

(ii) Give three examples each of the restrictions that are related to the two types of covenants. (6 marks)

(b) Overtrading is essentially a problem of growth in business operations. It happens when business expands too quickly without having the financial resources to support such a quick and poorly planned expansion.

Required:

State four important steps that a Lender will advise a borrower to take to avoid risks of overtrading. (8 marks)

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