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CTP Exam Questions & Answers

Certified Treasury Professional  •  AFP

1076 Questions Updated Jul 2026 99% Pass Rate
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About CTP Exam

The Certified Treasury Professional (CTP) certification, offered by the Association for Financial Professionals (AFP), is the gold standard credential for treasury and finance professionals seeking to advance their careers. This rigorous exam validates expertise across critical treasury management areas including cash management, liquidity management, payments systems, investments, and risk management. The CTP certification demonstrates mastery of international best practices and positions professionals as trusted experts in corporate financial operations. Whether you're a treasury analyst, cash manager, or finance executive, the CTP exam provides the credentials needed to excel in today's competitive financial landscape.

Professionals responsible for managing corporate cash, optimizing working capital, and overseeing financial risk should prioritize CTP certification to enhance their qualifications and earning potential. Comprehensive exam preparation using updated CTP exam dumps and practice tests significantly improves candidate success rates by familiarizing test-takers with actual exam formats, question types, and content distribution. These study materials help candidates identify knowledge gaps, build confidence, and develop time-management strategies essential for passing the exam on the first attempt. By leveraging quality practice tests and current exam resources, aspiring treasury professionals can streamline their preparation and achieve certification efficiently.

Exam Topics & Objectives

Domain 1 Maintain corporate liquidity required to meet current and future obligations in a timely and cost effective manner
Manage capital structure, manage costs of long-term capital, and quantitatively evaluate long-term capital resource investments
Manage internal and external relationships
Monitor and control corporate exposure to financial, regulatory, and operational risk (including emerging and reputational risk)

4-Week Study Plan for CTP

Week 1: Corporate Liquidity Fundamentals and Cash Management

  • Study working capital management principles and optimal cash levels
  • Review accounts receivable and payable management techniques
  • Analyze cash flow forecasting methods and timing mismatches
  • Examine short-term funding sources (lines of credit, commercial paper, banker's acceptances)
  • Practice calculating liquidity ratios and working capital metrics
  • Complete practice questions on liquidity management scenarios

Week 2: Capital Structure and Long-Term Capital Management

  • Study optimal capital structure theories (Modigliani-Miller, pecking order)
  • Review debt vs. equity financing decisions and cost of capital calculations
  • Analyze WACC (Weighted Average Cost of Capital) components and computations
  • Examine long-term funding instruments (bonds, term loans, equity)
  • Study capital budgeting techniques (NPV, IRR, payback period, profitability index)
  • Practice quantitative evaluations of capital investment decisions
  • Complete financial modeling exercises for capital projects

Week 3: Relationship Management and Risk Management Foundations

  • Study internal stakeholder management (board, finance team, business units)
  • Review external relationship management (banks, investors, credit rating agencies)
  • Analyze communication strategies for treasury reporting and disclosure
  • Examine financial risk types (interest rate, currency, commodity, credit)
  • Study regulatory compliance requirements and reporting obligations
  • Review operational risk management frameworks and controls
  • Practice case studies on relationship and risk scenario management

Week 4: Advanced Risk Management and Exam Preparation

  • Study emerging risks (climate change, cybersecurity, geopolitical)
  • Analyze reputational risk assessment and mitigation strategies
  • Review hedge accounting and derivative risk management techniques
  • Examine scenario analysis and stress testing methodologies
  • Study enterprise risk management integration across treasury
  • Complete full-length practice exams under timed conditions
  • Review weak topic areas from practice exams
  • Final review of all four domains with integrated case studies

Sample CTP Questions

Practice with real exam-style questions. Reveal answers to verify your knowledge.

Q1 MultipleChoice

On June 1, a manufacturing company experienced a system failure that lasted more than 24 hours. The company did not have any contingency plans in place and as a result the cash manager was unable to process the following payments: $25,000 to the p-card issuer, $125,000 for weekly payroll, $500,000 for a bond interest payment, $260,000 for the weekly vendor payments and $50,000 for the monthly utilities. The receivables were deposited at the bank; however, the cash manager does not have a way to confirm the amounts. The suppliers are threatening to stop shipments due to the delay in payment and the loss of supplier shipments threatens the company's just-in-time production. What did the manufacturing company trigger as a result of the system failure?

Q2 MultipleChoice

One reason for using a sale and lease-back arrangement in lease financing is to:

Q3 MultipleChoice

Based on the following information, what is the required collected balance to cover all monthly service charges?

Deposit Float$10,000

Reserve Requirement5%

Earnings Credit Rate15%

Monthly Service Charges$6,000

Days in month30

Q4 MultipleChoice

What government legislation holds the CEO of a public company personally liable for the information in financial reports?

Q5 MultipleChoice

The cash manager for a company is creating a list of transactions that should be considered when determining the daily projected closing cash position. Which of the following transactions should be removed from the list?

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Frequently Asked Questions

Candidates must have a minimum of 2 years of treasury or finance experience within the last 5 years, or be a current AFP member with 1 year of relevant experience. Additionally, applicants need to hold a bachelor's degree or equivalent professional experience and pass a background check.

The CTP exam consists of 150 multiple-choice questions that must be completed within 3 hours. The exam covers various treasury management topics including cash management, payments, investments, and financing.

Candidates must achieve a scaled score of at least 70 out of 100 to pass the CTP exam. The exam is designed with a difficulty level that ensures only qualified treasury professionals receive certification.

You can retake the CTP exam after a waiting period of 30 days from your previous attempt. There is no limit on the number of times you can retake the exam, though each attempt requires a new registration and exam fee.

AFP offers the CTP Study Guide, practice exams, and webinars to help candidates prepare. Additionally, many third-party providers offer CTP review courses, study groups, and learning materials to supplement your exam preparation.
Exam Details
  • Exam CodeCTP
  • VendorAFP
  • Total Questions1076
  • LanguageEnglish
  • Last UpdatedJul 21, 2026
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