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GARP ICBRR Exam (page: 4)
GARP International Certificate in Banking Risk and Regulation (ICBRR)
Updated on: 25-Dec-2025

Viewing Page 4 of 70
ICBRR PDF 342 Questions

Of all the risk factors in loan pricing, which one of the following four choices is likely to be the least significant?

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

Answer(s): B



By lowering the spread on lower credit quality borrowers, the bank will typically achieve all of the following outcomes EXCEPT:

  1. Aggressively courting of new business
  2. Lower probability of default
  3. Rapid growth
  4. Higher losses in case of default

Answer(s): B



In the United States, Which one of the following four options represents the largest component of securitized debt?

  1. Education loans
  2. Credit card loans
  3. Real estate loans
  4. Lines of credit

Answer(s): C



From the bank's point of view, repricing the retail debt portfolio will introduce risks of fluctuations in:

I) Duration
II) Loss given default
III) Interest rates
IV) Bank spreads

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

Answer(s): D



Altman's Z-score incorporates all the following variables that are predictive of bankruptcy EXCEPT:

  1. Return on total assets
  2. Sales to total assets
  3. Equity to debt
  4. Return on equity

Answer(s): D



Viewing Page 4 of 70



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Vey 5/27/2023 12:06:00 AM

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