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UGBA 10 - Module 1 Review Study Guide Exam 2024.
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UGBA 10 - Module 1 Review Study Guide Exam 2024.Secured Loan (Asset-Backed Loan) - correct answer Loan to finance an asset, backed by the borrower pledging the asset as collateral to the lender Collateral - correct answer Asset pledged for the fulfillment of repaying a loan Loan Principal - c...

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  • April 23, 2024
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  • 2023/2024
  • Exam (elaborations)
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  • ugba 10 module 1
  • ugba 10 module 1 review study guide exam 2024

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UGBA 10 - Module 1

Secured Loan (Asset-Backed Loan) - correct answer Loan to finance an asset, backed by the borrower
pledging the asset as collateral to the lender



Collateral - correct answer Asset pledged for the fulfillment of repaying a loan



Loan Principal - correct answer Amount of money that is loaned and must be repaid



Interest - correct answer Fee paid to a lender for the use of borrowed funds



Annual Percentage Rate (APR) - correct answer One-year rate that is charged for the borrowing,
expressed as a percentage of the borrowed principal



Working Capital - correct answer Current assets - Current liabilities



Unsecured Loan - correct answer Loan for which collateral is not required



Compensating Balance - correct answer Portion of loan amount on deposit with the bank, typically
required for unsecured loans



Business Plan - correct answer Document that tells potential lenders why money is needed, the amount,
how the money will be used to improve the company, and when it will be paid back



Angel Investors - correct answer Outside investors who provide new capital for firms in return for a share
of equity ownership



Venture Capital - correct answer Private funds from wealthy individuals seeking investment
opportunities in new growth companies

,Corporate Bond - correct answer Formal pledge obligating the issuer to pay interest periodically and
repay the principal at maturity



Bond Indenture - correct answer Legal document containing the complete details of a bond issue



Maturity Date (Due Date) - correct answer Future date when repayment of a bond is due from the bond
issuer (borrower)



Face Value (Par Value) - correct answer Amount of money that the bond buyer (lender) lent the issuer
and that the lender will receive on repayment



Short-term Bonds - correct answer Bonds that mature less than 5 years after they are issued



Intermediate-term Bonds - correct answer Bonds that mature between 5 and 10 years after they are
issued



Long-term Bonds - correct answer Bonds that mature more than 10 years after they are issued



Default - correct answer Failure of a borrower to make payment when due to a lender



Bondholders' Claim - correct answer Request for court enforcement of a bond's terms of payment



Bankruptcy - correct answer Court-granted permission for a company to not pay some or all debts



Mortgage-backed securities (MBS) - correct answer Mortgages pooled together to form a debt obligation
(bond) that entitles the holder (investor) to cash that flows in from the bundled mortgages



Initial Public Offerings (IPOs) - correct answer First sale of a company's stock to the general public

, Corporate Raider - correct answer Investor conducting a type of hostile corporate takeover against the
wishes of the company



Stock Split - correct answer Stock dividend paid in additional shares to shareholders, thus increasing the
number of outstanding shares and decreasing the share price



Earnings Per Share (EPS) - correct answer Net Income / Number of Shares



Price Earnings Ratio (PE Ratio) - correct answer Stock Price / EPS



Dividend Payment - correct answer Dividend Yield * Stock Price



Market Capitalization (Market Cap) - correct answer Total dollar value of all the company's outstanding
shares (Stock Price * Number of Shares)



Micro-Cap - correct answer Market Cap below $250M



Small-Cap - correct answer Market Cap between $250M and $2B



Mid-Cap - correct answer Market Cap between $2B and $10B



Large-Cap - correct answer Market Cap over $10B



Debt Financing - correct answer Long-term borrowing from sources outside a company



Equity Financing - correct answer Using the owners' funds from inside the company as the source for
long-term funding



Retained Earnings - correct answer Net profits retained for the firm's use rather than paid out in
dividends to stockholders

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