14- Which of the following external factors has the greatest impact on the competitive landscape for banks and how they deliver products to customers? Technological -Political Social -Environmental 15- Effective risk management policies enable banks to make calculated decisions over the deployment of -Capital -assets -liabilities. - equity 16- Credit scoring generally focuses on a customer's credit history and their -assets -borrowings -income Investments 17- The mark lo market (MTM) concept apples mostly lo which of the following financial products? -Payments -saving -Donatives -Loans 18- Which of the following is the best example of fraud? -Supple failure -Insider trading - Poor record-keeping - Budget variance 19- Aggressive working capital management, chasing receivables, selling down inventory and delaying payments to suppliers are all indicators of: -bankruptcy -insolvency -liquidity -default 20- As the Basel Accords have evolved, which of the following approaches to applying risk weightings to assets has been accepted? - Central bank determined approaches 20- As the Basel Accords have evolved, which of the following approaches to applying risk weightings to assets has been accepted? - Central bank determined approaches -Bank internal ratings-based approaches - Voltunary framework-based approaches -Self-assessment and certification approaches