HKDSE · Answers & Marking Scheme

2022 HKDSE Business, Accounting and Financial Studies Answers & Marking Scheme

Thinka 2022 DSE-Style Mock — Business, Accounting and Financial Studies

90 marks75 mins2022
An original Thinka practice paper modelled on the structure and difficulty of that year's HKDSE paper. Not affiliated with or reproduced from the HKEAA.

Section A

Answer ALL questions in this section. All questions carry equal marks.
30 Question · 60 marks
Question 1 · MCQ
2 marks
A manufacturing firm ensures its operations strictly comply with local environmental laws and its business is highly profitable. However, it does not engage in any voluntary community development projects or charitable donations, stating that these are not the duties of a business. According to Carroll's Pyramid of Corporate Social Responsibility, which responsibilities is this firm fulfilling? (1) Economic responsibility (2) Legal responsibility (3) Philanthropic responsibility
  1. A.(1) and (2) only
  2. B.(1) and (3) only
  3. C.(2) and (3) only
  4. D.(1), (2) and (3)

Answer

A

Worked solution

According to Carroll's Pyramid of Corporate Social Responsibility (CSR), profitable operations represent the economic responsibility, while compliance with environmental laws represents the legal responsibility. Voluntary community development and charitable donations represent the philanthropic responsibility, which the firm explicitly refuses to fulfill. Thus, only (1) and (2) are fulfilled.

Marking scheme

Award 2 marks for the correct answer A. No marks are given for incorrect answers.
Question 2 · MCQ
2 marks
Which of the following statements about the Closer Economic Partnership Arrangement (CEPA) between Hong Kong and the Mainland is/are correct? (1) It allows Hong Kong service suppliers to enjoy preferential treatment when setting up businesses in the Mainland. (2) All goods imported from the Mainland into Hong Kong enjoy zero tariff under CEPA. (3) It strengthens economic integration and cooperation between Hong Kong and the Mainland.
  1. A.(1) and (2) only
  2. B.(1) and (3) only
  3. C.(2) and (3) only
  4. D.(1), (2) and (3)

Answer

B

Worked solution

(1) and (3) are correct. Statement (2) is incorrect because Hong Kong is already a free port and does not levy import tariffs on goods from any country or region; CEPA's zero-tariff benefit applies to goods of Hong Kong origin entering the Mainland, not goods imported from the Mainland into Hong Kong.

Marking scheme

Award 2 marks for the correct answer B. No marks are given for incorrect answers.
Question 3 · MCQ
2 marks
Which of the following are the characteristics of Small and Medium Enterprises (SMEs) in Hong Kong? (1) They are highly flexible and can respond quickly to market changes. (2) They constitute the vast majority of business establishments in Hong Kong. (3) They have easier access to capital markets for equity financing compared to listed companies.
  1. A.(1) and (2) only
  2. B.(1) and (3) only
  3. C.(2) and (3) only
  4. D.(1), (2) and (3)

Answer

A

Worked solution

(1) and (2) are key characteristics and contributions of SMEs in Hong Kong. Statement (3) is incorrect because SMEs generally face significant difficulties in obtaining equity financing from public capital markets due to their small scale, lack of historical performance records, and unlisted status.

Marking scheme

Award 2 marks for the correct answer A. No marks are given for incorrect answers.
Question 4 · MCQ
2 marks
The owner of a retail business took goods with a cost of \( \$5,000 \) and a selling price of \( \$6,500 \) for his own use. If the business uses a periodic inventory system, the journal entry to record this transaction is:
  1. A.Debit Drawings \( \$5,000 \); Credit Purchases \( \$5,000 \)
  2. B.Debit Drawings \( \$6,500 \); Credit Sales \( \$6,500 \)
  3. C.Debit Drawings \( \$5,000 \); Credit Sales \( \$5,000 \)
  4. D.Debit Purchases \( \$5,000 \); Credit Drawings \( \$5,000 \)

Answer

A

Worked solution

Goods taken by the owner for personal use (drawings) must be recorded at cost price, which is \( \$5,000 \), because no profit is realized on drawings. Under a periodic inventory system, the double entry is to debit Drawings and credit Purchases to reduce the cost of purchases available for sale.

Marking scheme

Award 2 marks for the correct answer A. No marks are given for incorrect answers.
Question 5 · MCQ
2 marks
The following balances were extracted from the books of a trading firm: Sales: \( \$450,000 \); Opening inventory: \( \$30,000 \); Purchases: \( \$280,000 \); Carriage inwards: \( \$8,000 \); Carriage outwards: \( \$12,000 \); Closing inventory: \( \$40,000 \); Returns outwards: \( \$5,000 \). What is the gross profit of the firm?
  1. A.\$165,000
  2. B.\$177,000
  3. C.\$180,000
  4. D.\$185,000

Answer

B

Worked solution

First, calculate the Cost of Goods Sold (COGS): \( \text{COGS} = \text{Opening Inventory} + \text{Purchases} + \text{Carriage Inwards} - \text{Returns Outwards} - \text{Closing Inventory} = \$30,000 + \$280,000 + \$8,000 - \$5,000 - \$40,000 = \$273,000 \). Then, calculate Gross Profit: \( \text{Gross Profit} = \text{Sales} - \text{COGS} = \$450,000 - \$273,000 = \$177,000 \). Note that Carriage Outwards (\( \$12,000 \)) is a selling expense and is excluded from the calculation of Gross Profit.

Marking scheme

Award 2 marks for the correct answer B. No marks are given for incorrect answers.
Question 6 · MCQ
2 marks
Andy and Billy are in partnership, sharing profits and losses in the ratio of \( 3:2 \). The partnership agreement provides for an annual salary of \( \$40,000 \) to Billy and interest on capital at \( 5\% \) per annum. Capital account balances at 1 January 2022 were: Andy: \( \$200,000 \); Billy: \( \$100,000 \). For the year ended 31 December 2022, the partnership's net profit was \( \$120,000 \). What is Billy's total share of profit (including salary, interest on capital, and share of residual profit) for the year?
  1. A.\$26,000
  2. B.\$31,000
  3. C.\$66,000
  4. D.\$71,000

Answer

D

Worked solution

1. Interest on Capital: Andy: \( \$200,000 \times 5\% = \$10,000 \); Billy: \( \$100,000 \times 5\% = \$5,000 \). Total interest = \( \$15,000 \). 2. Billy's salary = \( \$40,000 \). 3. Residual Profit = \( \text{Net Profit} - \text{Salary} - \text{Total Interest} = \$120,000 - \$40,000 - \$15,000 = \$65,000 \). 4. Billy's share of residual profit = \( \$65,000 \times \frac{2}{5} = \$26,000 \). 5. Billy's total share of profit = \( \text{Salary} + \text{Interest} + \text{Residual Share} = \$40,000 + \$5,000 + \$26,000 = \$71,000 \).

Marking scheme

Award 2 marks for the correct answer D. No marks are given for incorrect answers.
Question 7 · MCQ
2 marks
Which of the following statements comparing government bonds and common stocks is/are correct? (1) Bondholders are creditors of the issuer, while common shareholders are owners of the company. (2) In the event of liquidation, the claims of bondholders are settled before those of common shareholders. (3) The interest payments of bonds are legally binding obligations, whereas dividend payments on common stocks are discretionary.
  1. A.(1) and (2) only
  2. B.(1) and (3) only
  3. C.(2) and (3) only
  4. D.(1), (2) and (3)

Answer

D

Worked solution

All three statements are correct. Bondholders act as creditors who lend money to the issuer, while common shareholders own equity. In liquidation, creditors' claims (including bondholders) must be fully settled before any residual assets are distributed to shareholders. Furthermore, bond interest represents a contractual and legal liability, whereas dividends are declared at the discretion of the company's board.

Marking scheme

Award 2 marks for the correct answer D. No marks are given for incorrect answers.
Question 8 · MCQ
2 marks
A smartphone manufacturer launches a brand-new, highly innovative flagship model. It sets a very high initial price to target tech enthusiasts who are willing to pay a premium. As competitor models enter the market, the company plans to gradually lower the price. What pricing strategy is this company using?
  1. A.Market penetration pricing
  2. B.Market skimming pricing
  3. C.Psychological pricing
  4. D.Cost-plus pricing

Answer

B

Worked solution

Market skimming pricing involves setting a high initial price to target customers who are less price-sensitive and eager to own the innovative product first ('skimming' the cream of the market). The price is later reduced as competition grows to appeal to broader, more price-sensitive market segments.

Marking scheme

Award 2 marks for the correct answer B. No marks are given for incorrect answers.
Question 9 · MCQ
2 marks
Which of the following statements about the '360-degree feedback' performance appraisal method is/are correct? (1) It gathers performance feedback from multiple sources, including supervisors, peers, subordinates, and customers. (2) It helps reduce individual bias that may occur when appraisals are conducted solely by a direct supervisor. (3) It is generally less time-consuming and less costly to implement than traditional top-down appraisals.
  1. A.(1) only
  2. B.(1) and (2) only
  3. C.(2) and (3) only
  4. D.(1), (2) and (3)

Answer

B

Worked solution

(1) and (2) are correct. Statement (3) is incorrect because 360-degree feedback involves collecting and analyzing data from multiple evaluators, making it highly complex, more time-consuming, and more costly to coordinate and implement than traditional top-down appraisals.

Marking scheme

Award 2 marks for the correct answer B. No marks are given for incorrect answers.
Question 10 · MCQ
2 marks
Which of the following activities of a retail store manager represents the management function of 'Controlling'?
  1. A.Establishing a new branch in a high-traffic shopping district next year
  2. B.Motivating sales staff by introducing a new commission scheme
  3. C.Allocating duties and authorities to different sales supervisors
  4. D.Comparing actual monthly sales figures against the pre-set targets and taking corrective actions

Answer

D

Worked solution

Controlling involves monitoring performance, comparing actual results with pre-set standards/targets, and taking corrective actions. Thus, Option D represents Controlling. Option A represents Planning, Option B represents Leading (motivating), and Option C represents Organizing.

Marking scheme

Award 2 marks for the correct answer D. No marks are given for incorrect answers.
Question 11 · Multiple-Choice Questions
2 marks
The financial accounts of Joyful Trading for the year ended 31 December 2023 showed: Sales $800,000, Gross profit ratio 25% on cost, Opening inventory $60,000, Closing inventory $80,000, Carriage inwards $12,000, and Carriage outwards $8,000. What was the amount of purchases for the year?
  1. A.$640,000
  2. B.$648,000
  3. C.$608,000
  4. D.$660,000

Answer

B

Worked solution

1. Cost of sales = Sales / (1 + Markup) = $800,000 / (1 + 0.25) = $640,000. 2. Cost of sales = Opening inventory + Purchases + Carriage inwards - Closing inventory. $640,000 = $60,000 + Purchases + $12,000 - $80,000. $640,000 = Purchases - $8,000. Purchases = $648,000. (Note: Carriage outwards is a selling expense and should not be included in the calculation of cost of sales).

Marking scheme

Award 2 marks for the correct answer B. Award 0 marks for incorrect options (A, C, or D). Option A incorrectly includes carriage outwards in the cost of sales. Option C incorrectly treats the gross profit margin as 25% on sales instead of cost. Option D ignores carriage inwards.
Question 12 · Multiple-Choice Questions
2 marks
Which of the following statements about bonds and equities (stocks) are correct? (1) Bondholders have voting rights in a company's general meetings, while shareholders do not. (2) Bond coupon payments are usually fixed, whereas stock dividends are discretionary and depend on the company's profitability. (3) In the event of liquidation, bondholders have a higher priority claim on the company's assets than ordinary shareholders. (4) Both bonds and equities guarantee the return of principal at maturity.
  1. A.(1) and (4) only
  2. B.(2) and (3) only
  3. C.(1), (2) and (3) only
  4. D.(2), (3) and (4) only

Answer

B

Worked solution

Statement (1) is incorrect because shareholders have voting rights, whereas bondholders (creditors) do not. Statement (2) is correct because bond coupons are contractual and fixed, while dividends depend on the board's decision and profits. Statement (3) is correct because creditors (including bondholders) are paid before equity owners in liquidation. Statement (4) is incorrect because equities do not have a maturity date and do not guarantee the return of principal.

Marking scheme

Award 2 marks for option B. Award 0 marks for all other options.
Question 13 · Multiple-Choice Questions
2 marks
A fast-food chain plans to launch a new mobile ordering app to reduce customer waiting time and improve order accuracy. Which of the following represents the primary role of the Human Resources Department in this collaborative project?
  1. A.Allocating budgets and conducting cost-benefit analysis for the app development
  2. B.Designing promotional campaigns and discount coupons for first-time app users
  3. C.Providing training to front-line staff on how to guide customers to use the app and handle app-related inquiries
  4. D.Monitoring the daily transaction speed and server stability of the app

Answer

C

Worked solution

The Human Resources Department is responsible for training and development, which includes providing front-line staff with the skills needed to support new technological initiatives. Option A is the financial function. Option B is the marketing function. Option D is the operations/IT function.

Marking scheme

Award 2 marks for option C. Option A, B, and D describe roles of other key business functions.
Question 14 · Multiple-Choice Questions
2 marks
Alan and Bob are partners sharing profits and losses in the ratio of 3:2. On 1 January 2023, Candy was admitted into the partnership with a 1/5 share of profits. On that date, the partnership's net assets (excluding goodwill) were revalued upwards by $100,000, and goodwill was valued at $50,000. It was agreed that goodwill was not to be maintained in the books. What is the net adjustment to Bob's capital account?
  1. A.Credit of $40,000
  2. B.Credit of $44,000
  3. C.Credit of $60,000
  4. D.Credit of $42,000

Answer

B

Worked solution

1. Revaluation surplus share: Bob's share = $100,000 * 2/5 = $40,000 (Cr.). 2. Goodwill adjustment (not maintained): Raise goodwill in old ratio (3:2): Bob's share = $50,000 * 2/5 = $20,000 (Cr.). Write off goodwill in new ratio. The new profit sharing ratio is: Candy = 1/5 = 5/25; Remaining 4/5 is split between Alan and Bob in 3:2, so Alan = 12/25, Bob = 8/25. Bob's write-off share = $50,000 * 8/25 = $16,000 (Dr.). Net goodwill adjustment for Bob = $20,000 (Cr.) - $16,000 (Dr.) = $4,000 (Cr.). 3. Total net adjustment to Bob's capital = $40,000 (Cr.) + $4,000 (Cr.) = $44,000 (Cr.).

Marking scheme

Award 2 marks for option B. Option A only includes the revaluation surplus. Option C is Alan's revaluation share. Option D uses incorrect goodwill calculations.
Question 15 · Multiple-Choice Questions
2 marks
On 5 May 2023, Zenith Company sold goods with a list price of $20,000 on credit to David. A 10% trade discount was given. The payment terms were 2/10, n/30. On 8 May 2023, David returned damaged goods with a list price of $2,000. David settled the outstanding balance on 12 May 2023. What is the cash amount received by Zenith Company on 12 May 2023?
  1. A.$15,680
  2. B.$15,876
  3. C.$16,200
  4. D.$17,640

Answer

B

Worked solution

1. Net sales invoice price = $20,000 * (1 - 0.10) = $18,000. 2. Value of returns (net of trade discount) = $2,000 * (1 - 0.10) = $1,800. 3. Net outstanding balance before cash discount = $18,000 - $1,800 = $16,200. 4. Since settlement was made within 10 days (from 5 May to 12 May), a 2% cash discount is applicable. Cash received = $16,200 * (1 - 0.02) = $15,876.

Marking scheme

Award 2 marks for option B. Option A is incorrect because it deducts the returns at list price ($2,000) instead of net price ($1,800). Option C is the net balance before cash discount. Option D ignores the trade discount on sales.
Question 16 · Multiple-Choice Questions
2 marks
A toy manufacturer voluntarily recalls a batch of products after discovering a minor paint defect that does not violate local safety regulations but might cause skin irritation in highly sensitive children. By doing so, the company is demonstrating social responsibility towards which stakeholder group, and which business practice does this reflect?
  1. A.Creditors; profit maximization
  2. B.Customers; going beyond legal compliance
  3. C.Shareholders; social obligation
  4. D.Government; legal compliance

Answer

B

Worked solution

The recall is directed towards the users of the product, which are the customers. Since the defect does not violate local safety regulations, the company is voluntarily going beyond legal compliance to ensure customer safety and well-being, demonstrating ethical responsibility.

Marking scheme

Award 2 marks for option B. Award 0 marks for all other options which list incorrect stakeholder groups or ethical categories.
Question 17 · Multiple-Choice Questions
2 marks
Which of the following are major contributions of Small and Medium Enterprises (SMEs) to the economy of Hong Kong? (1) Providing the majority of employment opportunities in the private sector. (2) Serving as a major source of innovation and flexibility in response to market changes. (3) Representing over 98% of the total number of business establishments in Hong Kong. (4) Directly determining the benchmark interest rates in the interbank market.
  1. A.(1) and (2) only
  2. B.(3) and (4) only
  3. C.(1), (2) and (3) only
  4. D.(1), (2), (3) and (4)

Answer

C

Worked solution

SMEs represent over 98% of business establishments in Hong Kong and employ about 45% of the private sector workforce (constituting the majority of private employment). They are known for high flexibility and innovation. However, they do not determine interbank interest rates, which are determined by financial market forces and banks. Therefore, (1), (2), and (3) are correct.

Marking scheme

Award 2 marks for option C. Options containing (4) are incorrect.
Question 18 · Multiple-Choice Questions
2 marks
Under the Closer Economic Partnership Arrangement (CEPA) between Mainland China and Hong Kong, which of the following benefits is/are enjoyed by Hong Kong businesses? (1) Zero tariff on all goods of Hong Kong origin imported into the Mainland. (2) Complete waiver of corporate income tax for Hong Kong companies operating in the Mainland. (3) Preferential treatment for Hong Kong service suppliers entering the Mainland market.
  1. A.(1) only
  2. B.(1) and (3) only
  3. C.(2) and (3) only
  4. D.(1), (2) and (3)

Answer

B

Worked solution

CEPA provides zero tariffs for goods of HK origin (1) and preferential access/market opening for HK service suppliers in various sectors (3). It does not provide any waiver of Mainland corporate income tax for HK companies (2).

Marking scheme

Award 2 marks for option B. Option A is incomplete. Options C and D are incorrect because statement (2) is false.
Question 19 · Multiple-Choice Questions
2 marks
Mr. Chan plans to deposit $10,000 at the end of each year for 3 consecutive years into a savings account that pays an annual interest rate of 4%, compounded annually. What will be the total accumulated balance in the account at the end of the third year (rounded to the nearest dollar)?
  1. A.$30,000
  2. B.$31,200
  3. C.$31,216
  4. D.$32,465

Answer

C

Worked solution

This is an ordinary annuity. The total balance at the end of Year 3 is the sum of the future values of the three deposits: 1st deposit (made at the end of Year 1) earns interest for 2 years: $10,000 * (1.04)^2 = $10,816. 2nd deposit (made at the end of Year 2) earns interest for 1 year: $10,000 * 1.04 = $10,400. 3rd deposit (made at the end of Year 3) earns no interest: $10,000. Total accumulated balance = $10,816 + $10,400 + $10,000 = $31,216.

Marking scheme

Award 2 marks for option C. Option A ignores interest. Option B calculates simple interest. Option D is calculated as an annuity due.
Question 20 · Multiple-Choice Questions
2 marks
A company purchased a specialized machine for $500,000. Due to rapid technological changes, the market value of the machine dropped to $200,000 by the end of the first year. However, the company is financially stable and plans to use the machine for its entire estimated useful life of 5 years. The accountant records the machine at cost less accumulated depreciation ($400,000) instead of writing it down to its market value of $200,000. Which of the following justifies this treatment?
  1. A.Historical Cost Concept and Going Concern Assumption
  2. B.Prudence Concept and Accrual Concept
  3. C.Consistency Concept and Materiality Concept
  4. D.Business Entity Concept and Realisation Concept

Answer

A

Worked solution

The Historical Cost Concept states that assets should be recorded at their acquisition cost. The Going Concern Assumption presumes the business will continue to operate for the foreseeable future, justifying carrying the asset at depreciated cost rather than net realizable value (market value) since the company has no intention to liquidate the asset or the business.

Marking scheme

Award 2 marks for option A. Option B, C, and D do not provide the primary justification for keeping long-term assets at depreciated historical cost.
Question 21 · MC
2 marks
A purchase of office equipment of $12,000 on credit was entered in the Purchases Journal and posted to the purchases account as $21,000. The supplier's account was correctly credited with $12,000. How does this affect the trial balance totals?
  1. A.The debit total exceeds the credit total by $9,000.
  2. B.The credit total exceeds the debit total by $9,000.
  3. C.The debit total exceeds the credit total by $12,000.
  4. D.The trial balance still agrees.

Answer

A

Worked solution

The debit was recorded as $21,000 in Purchases instead of $12,000 in Equipment, while the credit was correctly recorded as $12,000. Therefore, the debit side total is overstated by \( $21,000 - $12,000 = $9,000 \). This causes the debit total to exceed the credit total by $9,000.

Marking scheme

Award 2 marks for the correct option A. Award 0 marks for any other option.
Question 22 · MC
2 marks
Mr. Chan wishes to accumulate $500,000 in 5 years for his child's education. If the bank offers an annual interest rate of 4% compounded annually, how much must he deposit today? (Round to the nearest dollar).
  1. A.$410,964
  2. B.$400,000
  3. C.$411,351
  4. D.$416,667

Answer

A

Worked solution

Using the Present Value formula: \( PV = FV / (1 + r)^n \). Here, \( FV = $500,000 \), \( r = 0.04 \), and \( n = 5 \). Hence, \( PV = $500,000 / (1.04)^5 = $500,000 / 1.21665 = $410,964 \).

Marking scheme

Award 2 marks for the correct option A. Award 0 marks for any other option.
Question 23 · MC
2 marks
Which of the following statements about '360-degree feedback' performance appraisal is/are correct? (1) It collects feedback only from the employee's direct subordinates. (2) It helps reduce individual bias in performance evaluation. (3) It is generally less time-consuming and costly to implement than a traditional top-down appraisal.
  1. A.(2) only
  2. B.(1) and (2) only
  3. C.(2) and (3) only
  4. D.(1), (2) and (3)

Answer

A

Worked solution

Statement (1) is incorrect because 360-degree feedback gathers performance data from multiple sources, including supervisors, peers, subordinates, and self-appraisal, not just direct subordinates. Statement (2) is correct because using multiple raters helps to reduce individual rater bias. Statement (3) is incorrect because managing and analyzing feedback from multiple sources is typically more time-consuming and expensive than traditional appraisals.

Marking scheme

Award 2 marks for the correct option A. Award 0 marks for any other option.
Question 24 · MC
2 marks
Andy and Bobby are partners sharing profits and losses in the ratio of 3:1. They admitted Cindy into the partnership, and the new profit-sharing ratio is 3:2:1. Goodwill was valued at $60,000, and it was agreed that the goodwill account is not to be maintained in the books. What is the net impact on Bobby's capital account for this goodwill adjustment?
  1. A.Debited by $5,000
  2. B.Credited by $5,000
  3. C.Debited by $15,000
  4. D.Credited by $15,000

Answer

A

Worked solution

Goodwill to be credited to old partners in old ratio (3:1): Bobby = \( $60,000 \times 1/4 = $15,000 \) (Credit). Goodwill to be debited to all partners in new ratio (3:2:1): Bobby = \( $60,000 \times 2/6 = $20,000 \) (Debit). Net impact on Bobby's capital account: \( $15,000 \text{ Credit} - $20,000 \text{ Debit} = $5,000 \text{ Debit} \).

Marking scheme

Award 2 marks for the correct option A. Award 0 marks for any other option.
Question 25 · MC
2 marks
A firm paid $48,000 for a 12-month insurance policy on 1 October 2022. On 1 December 2022, it paid $30,000 for 3 months' rent in advance starting from that date. If the financial year ends on 31 December 2022, what are the total prepayments to be shown in the statement of financial position as of 31 December 2022?
  1. A.$56,000
  2. B.$44,000
  3. C.$62,000
  4. D.$38,000

Answer

A

Worked solution

Insurance prepayment: For 9 months (1 January 2023 to 30 September 2023) = \( $48,000 \times 9/12 = $36,000 \). Rent prepayment: For 2 months (1 January 2023 to 28 February 2023) = \( $30,000 \times 2/3 = $20,000 \). Total prepayments = \( $36,000 + $20,000 = $56,000 \).

Marking scheme

Award 2 marks for the correct option A. Award 0 marks for any other option.
Question 26 · MC
2 marks
Which of the following is an example of a company fulfilling its social responsibility towards its competitors?
  1. A.Providing clear and accurate product descriptions on packaging.
  2. B.Offering employees opportunities for professional training and advancement.
  3. C.Refraining from spreading false rumors about rival companies' products.
  4. D.Paying taxes on time to the local government.

Answer

C

Worked solution

Refraining from spreading false rumors about rival companies' products represents ethical and fair competition, which is a social responsibility towards competitors. Option A is towards customers, B is towards employees, and D is towards the government/society.

Marking scheme

Award 2 marks for the correct option C. Award 0 marks for any other option.
Question 27 · MC
2 marks
In Hong Kong, which of the following is/are the characteristic(s) of small and medium enterprises (SMEs)? (1) They have high flexibility in responding to market changes. (2) They usually find it easier to obtain bank loans than large enterprises due to their size. (3) They are defined as manufacturing enterprises employing fewer than 100 persons, or non-manufacturing enterprises employing fewer than 50 persons.
  1. A.(1) and (3) only
  2. B.(1) and (2) only
  3. C.(2) and (3) only
  4. D.(1), (2) and (3)

Answer

A

Worked solution

Statement (1) is correct as SMEs have smaller, flatter structures and can adapt quickly. Statement (2) is incorrect as SMEs usually struggle to get bank loans due to limited assets for collateral and shorter financial histories. Statement (3) is correct according to the official definition of SMEs by the Hong Kong Trade and Industry Department.

Marking scheme

Award 2 marks for the correct option A. Award 0 marks for any other option.
Question 28 · MC
2 marks
Under the Closer Economic Partnership Arrangement (CEPA) between Mainland China and Hong Kong, which of the following benefits is provided to Hong Kong?
  1. A.Goods of Hong Kong origin exported to Mainland China enjoy zero tariff.
  2. B.Hong Kong businesses can operate in Mainland China without complying with any Chinese laws.
  3. C.Hong Kong companies are allowed to set up banks in Mainland China without any capital requirements.
  4. D.Mainland Chinese authorities will subsidize Hong Kong service providers expanding into China.

Answer

A

Worked solution

Under CEPA, goods of Hong Kong origin exported to Mainland China enjoy zero tariff, which is one of the key pillars of the trade agreement. The other options contain false assertions regarding compliance with local laws, minimum capital requirements, and financial subsidies.

Marking scheme

Award 2 marks for the correct option A. Award 0 marks for any other option.
Question 29 · MC
2 marks
The following information is extracted from a company's financial records: Net Sales: $800,000, Cost of Goods Sold: $480,000, Opening Inventory: $55,000, Closing Inventory: $65,000. What is the inventory turnover rate (in times) for the year?
  1. A.8 times
  2. B.13.3 times
  3. C.7.4 times
  4. D.12 times

Answer

A

Worked solution

Average Inventory = \( ($55,000 + $65,000) / 2 = $60,000 \). Inventory Turnover Rate = Cost of Goods Sold / Average Inventory = \( $480,000 / $60,000 = 8 \) times.

Marking scheme

Award 2 marks for the correct option A. Award 0 marks for any other option.
Question 30 · MC
2 marks
A company is considering a project that requires an initial outlay of $150,000. The project is expected to generate net cash inflows of $60,000, $70,000, and $80,000 at the end of Year 1, 2, and 3 respectively. If the cost of capital is 10%, what is the net present value (NPV) of the project (to the nearest dollar)? (Discount factors at 10%: Year 1 = 0.9091, Year 2 = 0.8264, Year 3 = 0.7513)
  1. A.$22,498
  2. B.$60,000
  3. C.$172,498
  4. D.-$22,498

Answer

A

Worked solution

PV of cash inflows = \( ($60,000 \times 0.9091) + ($70,000 \times 0.8264) + ($80,000 \times 0.7513) = $54,546 + $57,848 + $60,104 = $172,498 \). NPV = PV of cash inflows - Initial outlay = \( $172,498 - $150,000 = $22,498 \).

Marking scheme

Award 2 marks for the correct option A. Award 0 marks for any other option.

Section B Part 1

Answer ALL questions in this part.
3 Question · 20.009999999999998 marks
Question 1 · Short Answer
6.67 marks
Alan and Betty are partners sharing profits and losses in the ratio of 3:2. The partnership agreement provides for:
(i) Interest on capital at 5% per annum on the fixed capital balances (Alan: \$100,000, Betty: \$80,000).
(ii) Annual salary of \$24,000 to Betty.
(iii) Interest on drawings at 10% per annum on total drawings. During the year, Alan drew \$15,000 on 1 July 2022, and Betty drew \$10,000 on 1 October 2022. The financial year ends on 31 December 2022.
The net profit for the year ended 31 December 2022 was \$120,000 before the above adjustments.

Required:
(a) Calculate the interest on drawings for Alan and Betty respectively. (2 marks)
(b) Prepare the Profit and Loss Appropriation Account of the partnership for the year ended 31 December 2022. (4.67 marks)

Answer

Alan's interest on drawings is \$750 and Betty's is \$250. The residual profit of \$88,000 is shared as Alan: \$52,800 and Betty: \$35,200.

Worked solution

(a)
Alan's interest on drawings = \(\$15,000 \times 10\% \times \frac{6}{12} = \$750\)
Betty's interest on drawings = \(\$10,000 \times 10\% \times \frac{3}{12} = \$250\)

(b)
Profit and Loss Appropriation Account for the year ended 31 December 2022
--------------------------------------------------------------
Net profit: \$120,000
Add: Interest on drawings:
- Alan: \$750
- Betty: \$250
Total: \$1,000
Subtotal: \$121,000
Less: Interest on capital:
- Alan (\$100,000 * 5%): \$5,000
- Betty (\$80,000 * 5%): \$4,000
Total: (\$9,000)
Less: Betty's salary: (\$24,000)
Residual profit: \$88,000
Share of profit:
- Alan (3/5): \$52,800
- Betty (2/5): \$35,200
Total allocated: \$88,000

Marking scheme

(a) 1 mark for Alan's interest calculation (\$750); 1 mark for Betty's interest calculation (\$250). Total = 2 marks.
(b) Net profit add interest on drawings (\$121,000): 1 mark; Less interest on capital (\$9,000): 1 mark; Less Betty's salary (\$24,000): 0.67 marks; Correct residual profit (\$88,000): 1 mark; Correct profit share allocation (Alan: \$52,800; Betty: \$35,200): 1 mark. Total = 4.67 marks.
Question 2 · Short Answer
6.67 marks
Mr. Chan, aged 62, plans to retire next year. He has accumulated a sum of \$2,000,000 and is looking for a stable source of income during retirement. An investment advisor suggests two options to him:
Option A: Investing all funds in a 3-year Hong Kong Government Green Bond, which pays a fixed annual interest of 4.5%.
Option B: Investing all funds in high-growth technology stocks listed on the Hong Kong Stock Exchange, which currently offer no dividend payments but have potential for capital appreciation.

Required:
(a) Based on the concept of risk-return trade-off, explain why Option A is more suitable than Option B for Mr. Chan’s retirement planning. (3.67 marks)
(b) Apart from investment returns and risk, state and explain TWO other factors that Mr. Chan should consider when planning his personal finance for retirement. (3 marks)

Answer

Option A provides low risk and stable income suitable for retirement preservation, whereas Option B is highly volatile and offers no steady cash flow. Other factors to consider include liquidity needs and the impact of inflation.

Worked solution

(a) According to the concept of risk-return trade-off, higher potential returns come with higher risks. Since Mr. Chan is retiring next year, his risk tolerance is low. He requires capital preservation and a steady stream of income to cover daily living expenses. Option A (Green Bond) offers low risk (default risk is extremely low as it is backed by the HK government) and a fixed, predictable return (4.5% interest), which matches his retirement needs. In contrast, Option B (growth stocks) carries very high market risk, with no guaranteed income (no dividends). Any downturn in the stock market could severely deplete his retirement nest egg with little time left to recover. Thus, Option A is more suitable.

(b) Other factors to consider:
1. Liquidity: Mr. Chan needs to ensure he has sufficient cash or liquid assets to cover emergency expenses (e.g., medical costs) without having to sell long-term assets at a loss.
2. Inflation: Over a long retirement horizon, inflation will reduce purchasing power. Mr. Chan needs to ensure his investment portfolio has some elements that can hedge against inflation so his purchasing power does not diminish over time.

Marking scheme

(a) Explain the risk-return trade-off concept: 1 mark. Explain why Option A fits retirement goals (stable income, capital preservation, low risk): 1.67 marks. Explain why Option B is unsuitable (high volatility, no guaranteed dividends): 1 mark. Total = 3.67 marks.
(b) State and explain any two relevant factors (e.g., liquidity, inflation, life expectancy, health condition): 1.5 marks for each factor (0.5 marks for stating, 1 mark for explanation). Total = 3 marks.
Question 3 · Short Answer
6.67 marks
SmartApparel Limited is a garment manufacturer in Hong Kong. Recently, some of its overseas suppliers were reported to have used sweatshop labor and paid workers wages below the legal minimum. Under pressure from the public and consumer groups, the management of SmartApparel is considering adopting a Code of Ethics for its supply chain management, ensuring all suppliers comply with ethical labor standards.

Required:
(a) Explain TWO social responsibilities that SmartApparel has towards its suppliers. (3 marks)
(b) From the perspective of SmartApparel Limited, discuss the business benefits (other than avoiding negative publicity) of acting in a socially responsible manner. (3.67 marks)

Answer

SmartApparel's responsibilities to suppliers include fair contracting practices and collaborative relationships. Ethical business conduct yields benefits such as enhanced brand image and improved employee motivation and recruitment.

Worked solution

(a) Social responsibilities towards suppliers:
1. Establishing fair and ethical contract terms: SmartApparel should offer fair pricing and not use its dominant bargaining power to squeeze suppliers' profit margins arbitrarily. It should also guarantee prompt payments to support suppliers' financial viability.
2. Promoting ethical operational standards: SmartApparel has a duty to assist and monitor suppliers to ensure they provide a safe working environment and fair wages to workers, fostering a sustainable supply chain rather than simply shifting blame.

(b) Business benefits of acting in a socially responsible manner:
1. Enhancing brand image and customer loyalty: Consumers today are increasingly conscious of ethical consumption. Demonstrating commitment to human rights can attract socially responsible customers, allowing the company to build brand value and charge a premium.
2. Boosting employee morale and talent attraction: Employees feel proud and motivated to work for an ethical and responsible company, which reduces labor turnover and helps attract high-quality candidates who share similar values.
3. Strengthening investor relations: Many institutional investors and lenders now prioritize environmental, social, and governance (ESG) factors. A robust ethical practice can make the company more attractive to capital, potentially lowering borrowing costs.

Marking scheme

(a) Explain any two social responsibilities towards suppliers (e.g., fair prices, timely payments, collaboration, long-term relationships): 1.5 marks for each responsibility. Total = 3 marks.
(b) Discuss the business benefits (e.g., brand loyalty/image, employee morale/recruitment, investor relationships/cheaper financing): 1.5 marks for the first well-discussed benefit, 1.17 marks for the second, and 1 mark for any additional valid point. Total = 3.67 marks.

Section B Part 2

Answer ONE of the two questions.
1 Question · 10 marks
Question 1 · Scenario-based
10 marks
Sunny Limited is a Hong Kong-based wholesaler of organic food. Recently, the company has been experiencing tight cash flows due to rapid business expansion. To improve its liquidity position, the financial manager has proposed the following two measures: (1) Delay payments to all small local farmers (suppliers) from 30 days to 90 days. (2) Offer a cash discount of 2% to credit customers who settle their accounts within 10 days (current credit term is 30 days). Required: (a) Explain two advantages and two disadvantages to Sunny Limited of offering the cash discount to its credit customers. (4 marks) (b) From the perspective of business ethics and social responsibility, discuss two negative impacts of delaying payments to small local farmers. (4 marks) (c) Suggest two other cash management strategies (other than cash discounts and delaying supplier payments) that Sunny Limited can adopt to improve its cash flow. (2 marks)

Answer

This question tests students' understanding of cash management (advantages and disadvantages of cash discounts, alternative cash management strategies) and the ethical implications of stretching accounts payable to vulnerable stakeholders.

Worked solution

(a) Advantages of offering cash discount (any two, 1 mark each): (1) Accelerate cash inflows to improve liquidity. (2) Reduce the risk of bad debts as customers are incentivized to pay early. (3) Save administrative costs associated with debt collection. Disadvantages (any two, 1 mark each): (1) Reduce net profit margin and sales revenue due to discount allowed. (2) Customers who would have paid on time anyway may take the discount, unnecessarily reducing revenue. (3) Increase administrative burden in tracking discount eligibility. (b) Ethical and social responsibility impacts of delaying payment (any two, 2 marks each): (1) Unfair treatment of vulnerable stakeholders: Small farmers have weak bargaining power and rely on timely payments. Delaying payment is an abuse of power. (2) Damage to corporate image and trust: Breaking payment terms contradicts the 'ethical/organic' brand image, leading to customer backlash. (3) Endangering local community: It may drive small farmers to bankruptcy, violating the responsibility to support sustainable local development. (c) Other cash management strategies (any two, 1 mark each): (1) Prepare cash budgets to monitor cash flows. (2) Tighten credit screening of customers. (3) Factor accounts receivable. (4) Reduce inventory levels.

Marking scheme

Part (a): 1 mark for each valid advantage explained (max 2 marks); 1 mark for each valid disadvantage explained (max 2 marks). Part (b): 2 marks for each well-discussed ethical/social impact (1 mark for identifying the impact/stakeholder, 1 mark for explanation) (max 4 marks). Part (c): 1 mark for each valid cash management strategy suggested (max 2 marks).