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  1. Home
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  3. 2016-FRR

GARP 2016-FRR Exam (page: 8)
GARP Financial Risk and Regulation (FRR) Series
Updated on: 09-Feb-2026

Viewing Page 8 of 70
2016-FRR PDF 387 Questions

After entering the securitization business, Delta Bank increases its cash efficiency by selling off the lower risk portions of the portfolio credit risk. This process ___ return on equity for the bank, because the cash generated by the risk-transfer and the overall ___ of the bank's exposure to the risk.

  1. Increases; increase;
  2. Increases; reduction;
  3. Decreases; increase;
  4. Decreases; reduction;

Answer(s): B



As DeltaBank explores the securitization business, it is most likely to embrace securitization to:
I) Bring transparency to the bank's balance sheet
II) Create a new profit center for the bank
III) Strategically release risk capital and regulatory capital for redeployment
IV) Generate cash for additional debt origination

  1. I, III
  2. II, IV
  3. I, II, III
  4. II, III, IV

Answer(s): D



A bank customer chooses a mortgage with low initial payments and payments that increase over time because the customer knows that she will have trouble making payments in the early years of the loan. The bank makes this type of mortgage with the same default assumptions uses for ordinary mortgages, thus underestimating the risk of default and becoming exposed to:

  1. Moral hazard
  2. Adverse selection
  3. Banking speculation
  4. Sampling bias

Answer(s): B



Most loans and deposits in the interbank market have a maturity of:

  1. More than 10 years
  2. More than 5 years but less than 10 years
  3. More than 3 years but less than 5 years
  4. Less than one year

Answer(s): D



A credit risk analyst is evaluating factors that quantify credit risk exposures. The risk that the borrower would fail to make full and timely repayments of its financial obligations over a given time horizon typically refers to:

  1. Duration of default.
  2. Exposure at default.
  3. Loss given default.
  4. Probability of default.

Answer(s): D



Viewing Page 8 of 70



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