{"id":37,"date":"2024-04-16T13:40:56","date_gmt":"2024-04-16T10:40:56","guid":{"rendered":"https:\/\/sisu.ut.ee\/finance\/1-panga-funktsioonid-test\/"},"modified":"2024-04-16T13:40:56","modified_gmt":"2024-04-16T10:40:56","slug":"1-panga-funktsioonid-test","status":"publish","type":"page","link":"https:\/\/sisu.ut.ee\/finance\/1-panga-funktsioonid-test\/","title":{"rendered":"1. Panga funktsioonid test"},"content":{"rendered":"<div id=\"watupro_quiz\" class=\"quiz-area single-page-quiz\">\n<p id=\"submittingExam1\" style=\"display:none;text-align:center;\"><img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sisu.ut.ee\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\"><\/p>\n\n<div class=\"watupro-exam-description\" id=\"description-quiz-1\"><p>Proovi\u00a0lahendada eksamitestiga sarnast <strong>enesekontrolli testi<\/strong>.<\/p>\n<ul>\n<li>Testis on k\u00fcmme k\u00fcsimust kuni 5 valikvastusega.<\/li>\n<li>Igale k\u00fcsimusele on ainult \u00fcks \u00f5ige vastus.<\/li>\n<li>\u00d5igesti vastatud k\u00fcsimuse eest saad\u00a01 punkti, valesti vastatud k\u00fcsimuse eest 0 punkti.<\/li>\n<li>Kui kogud\u00a0v\u00e4hemalt 7 punkti, siis oled\u00a0testi edukalt sooritanud. L\u00f5pueksami l\u00e4vend on samuti\u00a0<strong>70%<\/strong>.<\/li>\n<\/ul>\n<p><strong>Kui saavutad\u00a0tulemuseks:<\/strong><\/p>\n<ul>\n<li><strong>kaugelt \u00fcle 70%<\/strong>, siis v\u00f5id\u00a0selle programmi ka vahele j\u00e4tta. V\u00f5imalik, et see on liiga lihtne.<\/li>\n<li><strong>alla selle<\/strong>,\u00a0siis on, mida juurde \u00f5ppida<b>.<\/b>\u00a0<strong>Tutvu programmiga ja liitu <\/strong><a title=\"https:\/\/majandus.ut.ee\/et\/1-panga-funktsioonid\" href=\"https:\/\/majandus.ut.ee\/et\/sisu\/panga-funktsioonid\" target=\"_blank\" rel=\"noopener\" data-url=\"https:\/\/majandus.ut.ee\/et\/sisu\/panga-funktsioonid\">SIIT<\/a><strong>.<\/strong><\/li>\n<\/ul>\n<p>\u00a0<\/p>\n<\/div>\n\n<form action=\"\" method=\"post\" class=\"quiz-form\" id=\"quiz-1\" enctype=\"multipart\/form-data\">\n<div class=\"watu-question \" id=\"question-1\" style=\";\"><div id=\"questionWrap-1\" class=\"  watupro-required-4 watupro-question-id-4\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Suurte arvude seaduse j\u00e4rgi on:<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_1\" value=\"4\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType4\" class=\"answerTypeCnt1\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-4\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices4\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-4[]\" id=\"answer-id-13\" class=\"answer   answerof-4 \" value=\"13\"><label for=\"answer-id-13\" id=\"answer-label-13\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. panga laenurisk seda v\u00e4iksem, mida suuremaks kasvab panga bilansimaht<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-4[]\" id=\"answer-id-14\" class=\"answer   answerof-4 \" value=\"14\"><label for=\"answer-id-14\" id=\"answer-label-14\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. laenu intressim\u00e4\u00e4r seda suurem, mida suurem on laenusumma<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-4[]\" id=\"answer-id-15\" class=\"answer   answerof-4 \" value=\"15\"><label for=\"answer-id-15\" id=\"answer-label-15\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. laenuportfelliga seotud risk seda v\u00e4iksem, mida suurem ja hajutatum on panga laenuportfell<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-4[]\" id=\"answer-id-16\" class=\"answer   answerof-4 \" value=\"16\"><label for=\"answer-id-16\" id=\"answer-label-16\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. panga intressirisk seda suurem, mida suurem on hoiustamis- ja laenut\u00e4htaegade erinevus<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-2\" style=\";\"><div id=\"questionWrap-2\" class=\"  watupro-required-5 watupro-question-id-5\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Valitsuse kolmeaastaste v\u00f5lapaberite intressim\u00e4\u00e4r on 25% aastas ja nende kustutamiseni on j\u00e4\u00e4nud \u00fcks aasta. V\u00e4\u00e4rtpaberite potentsiaalne ostja teab, et eelmistel aastatel oli inflatsioon vastavalt 22.5% ja 22%.\u00a0<\/strong><\/span><br><span style=\"color: #000080;\"><strong>J\u00e4rgmiseks aastaks prognoositakse inflatsiooniks 21%. Otsuse tegemiseks peab ostja arvutama v\u00f5lapaberite reaalse tulum\u00e4\u00e4ra, milleks on:<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_2\" value=\"5\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType5\" class=\"answerTypeCnt2\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-5\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices5\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-5[]\" id=\"answer-id-17\" class=\"answer   answerof-5 \" value=\"17\"><label for=\"answer-id-17\" id=\"answer-label-17\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. 2,04%<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-5[]\" id=\"answer-id-18\" class=\"answer   answerof-5 \" value=\"18\"><label for=\"answer-id-18\" id=\"answer-label-18\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. 2,46%<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-5[]\" id=\"answer-id-19\" class=\"answer   answerof-5 \" value=\"19\"><label for=\"answer-id-19\" id=\"answer-label-19\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. 3,02%<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-5[]\" id=\"answer-id-20\" class=\"answer   answerof-5 \" value=\"20\"><label for=\"answer-id-20\" id=\"answer-label-20\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. 3,31%<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-3\" style=\";\"><div id=\"questionWrap-3\" class=\"  watupro-required-10 watupro-question-id-10\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Pank kui hoiuste ja laenude t\u00e4htaegade teisendaja<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_3\" value=\"10\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType10\" class=\"answerTypeCnt3\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-10\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices10\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-10[]\" id=\"answer-id-37\" class=\"answer   answerof-10 \" value=\"37\"><label for=\"answer-id-37\" id=\"answer-label-37\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. kaasab pank l\u00fchiajalisi hoiuseid ja annab need siis pikaajaliste laenudena v\u00e4lja<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-10[]\" id=\"answer-id-38\" class=\"answer   answerof-10 \" value=\"38\"><label for=\"answer-id-38\" id=\"answer-label-38\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. v\u00f5tab enda kanda intressim\u00e4\u00e4rariski<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-10[]\" id=\"answer-id-39\" class=\"answer   answerof-10 \" value=\"39\"><label for=\"answer-id-39\" id=\"answer-label-39\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. teenib riski v\u00f5tmise eest \u00e4rimarginaali<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-10[]\" id=\"answer-id-40\" class=\"answer   answerof-10 \" value=\"40\"><label for=\"answer-id-40\" id=\"answer-label-40\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. kaasab pank l\u00fchiajalisi hoiuseid ja annab need siis pikaajaliste laenudena v\u00e4lja ja\u00a0v\u00f5tab enda kanda intressim\u00e4\u00e4rariski<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-10[]\" id=\"answer-id-41\" class=\"answer   answerof-10 \" value=\"41\"><label for=\"answer-id-41\" id=\"answer-label-41\" class=\" answer\"><span><p>v\u00f5tab enda kanda intressim\u00e4\u00e4rariski ja\u00a0teenib riski v\u00f5tmise eest \u00e4rimarginaali<\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-4\" style=\";\"><div id=\"questionWrap-4\" class=\"  watupro-required-1 watupro-question-id-1\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Raha kasutamiseks maksevahendina on piisav, kui raha on:<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_4\" value=\"1\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType1\" class=\"answerTypeCnt4\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-1\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices1\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-1[]\" id=\"answer-id-1\" class=\"answer   answerof-1 \" value=\"1\"><label for=\"answer-id-1\" id=\"answer-label-1\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. k\u00f5rge sisemise v\u00e4\u00e4rtusega<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-1[]\" id=\"answer-id-2\" class=\"answer   answerof-1 \" value=\"2\"><label for=\"answer-id-2\" id=\"answer-label-2\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. aktsepteeritav<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-1[]\" id=\"answer-id-3\" class=\"answer   answerof-1 \" value=\"3\"><label for=\"answer-id-3\" id=\"answer-label-3\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. kaupa esindav raha<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-1[]\" id=\"answer-id-4\" class=\"answer   answerof-1 \" value=\"4\"><label for=\"answer-id-4\" id=\"answer-label-4\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. seaduslik maksevahend<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-5\" style=\";\"><div id=\"questionWrap-5\" class=\"  watupro-required-2 watupro-question-id-2\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Pankade kohustusliku reservi suurus on 10% ja hoiuste maht kommertspankades on 1523 miljonit.\u00a0<\/strong><\/span><br><span style=\"color: #000080;\"><strong>Pangad hoiavad keskpangas lisaks kohustuslikele reservidele veel 76,4 miljonit. Sularaha emissiooni maht oli 512 miljonit (s.h. pankade kassades 140 miljonit).\u00a0<\/strong><\/span><br><span style=\"color: #000080;\"><strong>Oletame n\u00fc\u00fcd, et kohustusliku reservi m\u00e4\u00e4ra alandatakse 8%-ni ning pankade t\u00e4iendava reservi j\u00e4\u00e4k keskpangas kasvab 106.86 miljonini. Sellisel juhul on rahakordaja juurdekasv:<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_5\" value=\"2\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType2\" class=\"answerTypeCnt5\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-2\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices2\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-2[]\" id=\"answer-id-5\" class=\"answer   answerof-2 \" value=\"5\"><label for=\"answer-id-5\" id=\"answer-label-5\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. 1,0 kordne<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-2[]\" id=\"answer-id-6\" class=\"answer   answerof-2 \" value=\"6\"><label for=\"answer-id-6\" id=\"answer-label-6\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. 2,0 kordne<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-2[]\" id=\"answer-id-7\" class=\"answer   answerof-2 \" value=\"7\"><label for=\"answer-id-7\" id=\"answer-label-7\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. 1,42 kordne<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-2[]\" id=\"answer-id-8\" class=\"answer   answerof-2 \" value=\"8\"><label for=\"answer-id-8\" id=\"answer-label-8\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. 1,85 kordne<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-6\" style=\";\"><div id=\"questionWrap-6\" class=\"  watupro-required-9 watupro-question-id-9\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Avaturutehingu eesm\u00e4rgiks on suurendada v\u00f5i v\u00e4hendada _____ , mille saavutamiseks keskpank ostab v\u00f5i m\u00fc\u00fcb ____<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_6\" value=\"9\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType9\" class=\"answerTypeCnt6\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-9\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices9\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-9[]\" id=\"answer-id-33\" class=\"answer   answerof-9 \" value=\"33\"><label for=\"answer-id-33\" id=\"answer-label-33\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. raha n\u00f5udmist, aktsiaid<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-9[]\" id=\"answer-id-34\" class=\"answer   answerof-9 \" value=\"34\"><label for=\"answer-id-34\" id=\"answer-label-34\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. raha n\u00f5udmist, v\u00f5lapabereid<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-9[]\" id=\"answer-id-35\" class=\"answer   answerof-9 \" value=\"35\"><label for=\"answer-id-35\" id=\"answer-label-35\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. raha n\u00f5udmist, aktsiaid ja\u00a0v\u00f5lapabereid<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-9[]\" id=\"answer-id-36\" class=\"answer   answerof-9 \" value=\"36\"><label for=\"answer-id-36\" id=\"answer-label-36\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. Mitte \u00fckski eeltoodud vastustest<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-7\" style=\";\"><div id=\"questionWrap-7\" class=\"  watupro-required-7 watupro-question-id-7\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Tuluk\u00f5ver iseloomustab intressim\u00e4\u00e4ra seost:\u00a0<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_7\" value=\"7\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType7\" class=\"answerTypeCnt7\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-7\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices7\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-7[]\" id=\"answer-id-25\" class=\"answer   answerof-7 \" value=\"25\"><label for=\"answer-id-25\" id=\"answer-label-25\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. laenuvahendite pakkumisega<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-7[]\" id=\"answer-id-26\" class=\"answer   answerof-7 \" value=\"26\"><label for=\"answer-id-26\" id=\"answer-label-26\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. finantsvarade likviidsusega<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-7[]\" id=\"answer-id-27\" class=\"answer   answerof-7 \" value=\"27\"><label for=\"answer-id-27\" id=\"answer-label-27\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. finantsvarade kustutusajaga<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-7[]\" id=\"answer-id-28\" class=\"answer   answerof-7 \" value=\"28\"><label for=\"answer-id-28\" id=\"answer-label-28\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. riigi majanduslikust olukorraga<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-8\" style=\";\"><div id=\"questionWrap-8\" class=\"  watupro-required-3 watupro-question-id-3\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Tootjahinnaindeks m\u00f5\u00f5dab hinna muutumist muuhulgas j\u00e4rgmistes valdkondades:<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_8\" value=\"3\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType3\" class=\"answerTypeCnt8\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-3\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices3\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-3[]\" id=\"answer-id-9\" class=\"answer   answerof-3 \" value=\"9\"><label for=\"answer-id-9\" id=\"answer-label-9\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. energia tootmisel, r\u00f5ivaste \u00f5mblemisel, majade ehitamisel<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-3[]\" id=\"answer-id-10\" class=\"answer   answerof-3 \" value=\"10\"><label for=\"answer-id-10\" id=\"answer-label-10\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. energia- ja vorstitootmisel, r\u00f5ivaste realiseerimisel jaekaubanduses<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-3[]\" id=\"answer-id-11\" class=\"answer   answerof-3 \" value=\"11\"><label for=\"answer-id-11\" id=\"answer-label-11\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. piima m\u00fc\u00fcgil turul, puidu lihvimisel, m\u00f6\u00f6bli tootmisel<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-3[]\" id=\"answer-id-12\" class=\"answer   answerof-3 \" value=\"12\"><label for=\"answer-id-12\" id=\"answer-label-12\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. turba realiseerimisel eraisikutele, p\u00f5levkivi kaevandamisel, jalatsite valmistamisel<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-9\" style=\";\"><div id=\"questionWrap-9\" class=\"  watupro-required-6 watupro-question-id-6\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\" data-mce-mark=\"1\"><strong>Kui suur on panga baasintressim\u00e4\u00e4r?<\/strong><\/span><\/p><ul><li><span style=\"color: #000080;\" data-mce-mark=\"1\"><strong><span style=\"line-height: 1.6em;\" data-mce-mark=\"1\">Rahaturu intressim\u00e4\u00e4r 6,8%;\u00a0<\/span><\/strong><\/span><\/li><li><span style=\"color: #000080;\"><strong><span style=\"color: #000080;\">Panga hinnalisand halbade laenude katmiseks 0,07%, t<\/span><\/strong><\/span><strong style=\"color: #000080;\"><span style=\"color: #000080;\">agatise likviidsusest tulenev hinnalisand on 0,23%, h<\/span><\/strong><strong style=\"color: #000080;\"><span style=\"color: #000080;\">innalisand kasumi saamise eesm\u00e4rgil 0,28%.<\/span><\/strong><\/li><li><strong style=\"color: #000080;\"><span style=\"color: #000080;\" data-mce-mark=\"1\"><\/span><\/strong><strong style=\"color: #000080;\"><span style=\"line-height: 1.6em;\" data-mce-mark=\"1\">Laenuprojekti pikkusest tulenev hinnalisand on 0,17%, l<\/span><\/strong><strong style=\"color: #000080;\"><span style=\"line-height: 1.6em;\" data-mce-mark=\"1\">aenuprojekti usaldusv\u00e4\u00e4rsuse hinnalisand 0,15%, h<\/span><\/strong><strong style=\"color: #000080;\"><span style=\"line-height: 1.6em;\" data-mce-mark=\"1\">innalisand arvelduss\u00fcsteemi kulude katmiseks 0,08%<\/span><\/strong><\/li><\/ul><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_9\" value=\"6\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType6\" class=\"answerTypeCnt9\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-6\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices6\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-6[]\" id=\"answer-id-21\" class=\"answer   answerof-6 \" value=\"21\"><label for=\"answer-id-21\" id=\"answer-label-21\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. 6,95%<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-6[]\" id=\"answer-id-22\" class=\"answer   answerof-6 \" value=\"22\"><label for=\"answer-id-22\" id=\"answer-label-22\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. 7,23%<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-6[]\" id=\"answer-id-23\" class=\"answer   answerof-6 \" value=\"23\"><label for=\"answer-id-23\" id=\"answer-label-23\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. 7,27%<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-6[]\" id=\"answer-id-24\" class=\"answer   answerof-6 \" value=\"24\"><label for=\"answer-id-24\" id=\"answer-label-24\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. 7,46%<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div class=\"watu-question \" id=\"question-10\" style=\";\"><div id=\"questionWrap-10\" class=\"  watupro-required-8 watupro-question-id-8\">\n\t\t\t<div class=\"question-content\"><div><p><span style=\"color: #000080;\"><strong>Kui l\u00e4hitulevikus on oodata intressim\u00e4\u00e4rade langust, siis on k\u00f5ige kasulikum osta:<\/strong><\/span><\/p><\/div><input type=\"hidden\" name=\"question_id[]\" id=\"qID_10\" value=\"8\" class=\"watupro-question-id\"><input type=\"hidden\" id=\"answerType8\" class=\"answerTypeCnt10\" value=\"radio\"><input type=\"hidden\" id=\"watupro-required-question-8\"><!-- end question-content--><\/div><div class=\"question-choices watupro-choices-columns \" id=\"questionChoices8\"><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-8[]\" id=\"answer-id-29\" class=\"answer   answerof-8 \" value=\"29\"><label for=\"answer-id-29\" id=\"answer-label-29\" class=\" answer\"><span><p><span style=\"color: #000080;\">A. 5-aastaseid v\u00e4\u00e4rtpabereid<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-8[]\" id=\"answer-id-30\" class=\"answer   answerof-8 \" value=\"30\"><label for=\"answer-id-30\" id=\"answer-label-30\" class=\" answer\"><span><p><span style=\"color: #000080;\">B. 1-aastaseid v\u00e4\u00e4rtpabereid<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-8[]\" id=\"answer-id-31\" class=\"answer   answerof-8 \" value=\"31\"><label for=\"answer-id-31\" id=\"answer-label-31\" class=\" answer\"><span><p><span style=\"color: #000080;\">C. 6-kuuliseid v\u00e4\u00e4rtpabereid<\/span><\/p><\/span><\/label><\/div><div class=\"watupro-question-choice  \" dir=\"auto\"><input type=\"radio\" name=\"answer-8[]\" id=\"answer-id-32\" class=\"answer   answerof-8 \" value=\"32\"><label for=\"answer-id-32\" id=\"answer-label-32\" class=\" answer\"><span><p><span style=\"color: #000080;\">D. v\u00f5rdselt k\u00f5iki v\u00e4\u00e4rtpabereid<\/span><\/p><\/span><\/label><\/div><!-- end question-choices--><\/div><!-- end questionWrap--><\/div><\/div><div style=\"display:none\" id=\"question-11\">\n\t<div class=\"question-content\">\n\t\t<img loading=\"lazy\" decoding=\"async\" src=\"https:\/\/sisu.ut.ee\/wp-content\/plugins\/watupro\/img\/loading.gif\" width=\"16\" height=\"16\" alt=\"Loading...\" title=\"Loading...\">\u00a0Loading...\t<\/div>\n<\/div>\n\n<br>\n\t\n\t\t\t<div class=\"watupro_buttons flex \" id=\"watuPROButtons1\">\n\t\t  <div id=\"prev-question\" style=\"display:none;\"><input type=\"button\" value=\"&lt; Previous\" onclick=\"WatuPRO.nextQuestion(event, 'previous');\"><\/div>\t\t  \t\t  \t\t   \n\t\t   \t  \t\t<div><input type=\"button\" name=\"action\" class=\"watupro-submit-button\" onclick=\"WatuPRO.submitResult(event)\" id=\"action-button\" value=\"Vaata tulemust\">\n\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t<input type=\"hidden\" name=\"quiz_id\" value=\"1\" id=\"watuPROExamID\">\n\t<input type=\"hidden\" name=\"start_time\" id=\"startTime\" value=\"2026-04-16 02:40:39\">\n\t<input type=\"hidden\" name=\"start_timestamp\" id=\"startTimeStamp\" value=\"1776307239\">\n\t<input type=\"hidden\" name=\"question_ids\" value=\"\">\n\t<input type=\"hidden\" name=\"watupro_questions\" value=\"4:13,14,15,16 | 5:17,18,19,20 | 10:37,38,39,40,41 | 1:1,2,3,4 | 2:5,6,7,8 | 9:33,34,35,36 | 7:25,26,27,28 | 3:9,10,11,12 | 6:21,22,23,24 | 8:29,30,31,32\">\n\t<input type=\"hidden\" name=\"no_ajax\" value=\"0\">\t\t\t<\/form>\n\t<p>\u00a0<\/p>\n<\/div>\n\n<script type=\"text\/javascript\">\n\/\/jQuery(document).ready(function(){\ndocument.addEventListener(\"DOMContentLoaded\", function(event) { \t\nvar question_ids = \"4,5,10,1,2,9,7,3,6,8\";\nWatuPROSettings[1] = {};\nWatuPRO.qArr = question_ids.split(',');\nWatuPRO.exam_id = 1;\t    \nWatuPRO.post_id = 37;\nWatuPRO.store_progress = 0;\nWatuPRO.curCatPage = 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