Parañaque ●Tanauan ● Calapan

www.sapphireaviationacademy.com

SENIOR HIGH SCHOOL

BUSINESS FINANCE
GRADE 12- STEM
I. TRUE or FALSE
____________1. Banks is a financial intermediary that brings together depositors and
borrowers.

____________2. Universal Banks are mostly retail customers.

____________3. Commercial Banks are similar to universal banks in terms of

sophisticated banking services.

____________4. Investments Banks are also commercial banks but also are licensed to
do more sophisticated banking services than commercial banks.

____________5. Nonbanks they are more specialized and deal with top corporations,
global business, and governments.

____________6. Debt holds the important role of analyzing the financial track record of
the person or the business that borrows.

____________7. Credit analysis once issued, it becomes a debt of the borrower.

____________8. Credit this may be in the form of notes, bonds, or mortgages.

____________9. Credit bureau gathers information about the credit history of the
borrower and sells this information for a fee.

___________10. Personal budget helps you track your financial assets and financial
activities.

II. IDENTIFICATION

___________11. Classified as a corporation, and as such is being regulated by the

PSEC.
___________12. Invests primarily in stocks.

___________13. Invests in a combination of stocks and bonds.

___________14. Invests primarily in short-term securities representing high-quality,

liquid debt, and monetary instruments.

___________15. Invests in primarily bonds.

Paranaque Campus: Tanauan City (Batangas) Campus: Calapan City (Oriental Mindoro) Campus:
8128 Old Sucat Road, Brgy. San Dionisio, Barradas Airstrip, Brgy. Santor, Tanauan City, G. Teng Bldg. J.P. Rizal St. cor. Gozar St.
Parañaque City Batangas Brgy. Camilmil, Calapan City
Tel. No. (63 2) 826 8611 / 833 9105 Tel. No. (63 43) 740 2202 Tel. No. (63 43) 288 2116
 Parañaque ●Tanauan ● Calapan
www.sapphireaviationacademy.com

___________16. Invests the collected money in stocks, bonds, or a combination of

various investments.

___________17. The relationship between the bond price and yield.

___________18. Also known as treasury bonds.

___________19. Issued by a business.

__________20. Debt security that matures after a year or more.

__________21. The return that you would expect if you hold the bond for a year and is
expressed in percentage.

__________22. The security is issued by the government.

__________23. Debt security that mature in a year or less.

__________24. The borrowed amount.

__________25. The time it takes for all payments to be made by the issuer and
received by the lender.

__________26. The borrower.

__________27. The lender.

__________28. The interest rate.

__________29. A security that represents the debt of a government or business

promising to pay a fixed interest to the holder of the bond for a definite period of time.

__________30. Happens when the business pays out a portion of its earning to its
stockholders.

__________31. Making the investor money in the process if he chooses to sell these
stocks.

__________32. Considered a part owner of the business.

__________33. Market where the businesses needing additional financing to expand

their operations sell their shares to the investing public for the first time.

__________34. Is a place where buyers and sellers congregate to trade goods.

Paranaque Campus: Tanauan City (Batangas) Campus: Calapan City (Oriental Mindoro) Campus:
8128 Old Sucat Road, Brgy. San Dionisio, Barradas Airstrip, Brgy. Santor, Tanauan City, G. Teng Bldg. J.P. Rizal St. cor. Gozar St.
Parañaque City Batangas Brgy. Camilmil, Calapan City
Tel. No. (63 2) 826 8611 / 833 9105 Tel. No. (63 43) 740 2202 Tel. No. (63 43) 288 2116
 Parañaque ●Tanauan ● Calapan
www.sapphireaviationacademy.com

__________35. Represents small pieces of ownership in a business that trades in a

stock market.

__________36. Making that saved money work for you.

__________37. Just the act of putting away some money for future.

__________38. “the act of committing money or capital to an endeavor with the

expectation of obtaining an additional income or profit”

__________39. It is also called the Profit and Loss Statement.

__________40. Shows the assets of the business and its liabilities and the value of the
owner’s equity.

__________41. Determined by subtracting the interest payment.

__________42. The loan is determined by using the monthly effective interest rate.

__________43. Determine the amount of payment for the loan on a monthly basis.

__________44. Sometimes called annual percentage rate or quoted rate.

__________45. Indicates the compound interest rate paid or earned in one year.

__________46. Determining today’s worth of this future value.

__________47. Makes money increase over time, given a certain interest rate.

__________48. The amount your original funds will be worth in the future, based on
earning an interest rate over a time period.

__________49. Is a limited resources.

__________50. Anything given up after choosing an option.

__________51. The additional money earned from money in an account.

__________52. Decision to invest either in money market, fixed-income securities,

stocks, bonds, real state, or in small business venture.

__________53.
III. ENUMERATION
Paranaque Campus: Tanauan City (Batangas) Campus: Calapan City (Oriental Mindoro) Campus:
8128 Old Sucat Road, Brgy. San Dionisio, Barradas Airstrip, Brgy. Santor, Tanauan City, G. Teng Bldg. J.P. Rizal St. cor. Gozar St.
Parañaque City Batangas Brgy. Camilmil, Calapan City
Tel. No. (63 2) 826 8611 / 833 9105 Tel. No. (63 43) 740 2202 Tel. No. (63 43) 288 2116
 Parañaque ●Tanauan ● Calapan
www.sapphireaviationacademy.com

Give the five affects of your personal buying decision

Requirements of applying for a Personal Loan
Different types of Investors
Give an example of a situation for a risk- return tradeoff
Give the three Advantages to investing in real estate
Give the four Disadvantages to investing in real estate
Factors that determine the present value of an investment
IV. ESSAY
What is Insolvency?
What is Bankruptcy?
What is your personal Net worth?
What is Credit Analysis?
What is Personal Bankruptcy?
What is Bad Credit?
How does bad credit happen?
What types of funding can you access to support your road to recovery?
Choose some guidelines on sound stock market investing and discuss in your own
understanding.
What is the Entrepreneur?
What is the Age of the Investor? (Discuss briefly)
What is Future Value?

Paranaque Campus: Tanauan City (Batangas) Campus: Calapan City (Oriental Mindoro) Campus:
8128 Old Sucat Road, Brgy. San Dionisio, Barradas Airstrip, Brgy. Santor, Tanauan City, G. Teng Bldg. J.P. Rizal St. cor. Gozar St.
Parañaque City Batangas Brgy. Camilmil, Calapan City
Tel. No. (63 2) 826 8611 / 833 9105 Tel. No. (63 43) 740 2202 Tel. No. (63 43) 288 2116