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GARP International Certificate in Banking Risk and Regulation (ICBRR) Sample Questions:

1. Which one of the following four metrics represents the difference between the expected loss and unexpected loss on a credit portfolio?

A) Loss given default
B) Credit VaR
C) Modified duration
D) Probability of default

2. Alpha Bank determined that Delta Industrial Machinery Corporation has 2% change of default on a one-year no-payment of USD $1 million, including interest and principal repayment. The bank charges 3% interest rate spread to firms in the machinery industry, and the risk-free interest rate is 6%. Alpha Bank receives both interest and principal payments once at the end the year. Delta can only default at the end of the year. If Delta defaults, the bank expects to lose 50% of its promised payment.
What may happen to the Delta's initial credit parameter and the value of its loan if the machinery industry experiences adverse structural changes?

A) Probability of default and loss at default may increase simultaneously, while duration falls causing the loan value to decrease.
B) Probability of default and loss at default may increase simultaneously, while duration rises causing the loan value to decrease.
C) Probability of default and loss at default may decrease simultaneously, while duration rises causing the loan value to decrease.
D) Probability of default and loss at default may decrease simultaneously, while duration falls causing the loan value to decrease.

3. A trader for EtaBank wants to take a leveraged position in Collateralized Debt Obligations. These CDOs can be used in a repurchase transaction at a 20% haircut. Starting with $100 worth of CDOs, which one of the following four positions would completely utilize the available leverage?

A) The trader can buy $100 in CDO's, and repo the CDO's to get back $20, plus interest.
B) The trader can buy $100 in CDO's, and repo the CDO's to get back $60, plus interest.
C) The trader can buy $100 in CDO's, and repo the CDO's to get back $100, less interest.
D) The trader can buy $100 in CDO's, and repo the CDO's to get back $80, less interest.

4. Gamma Bank has a significant number of retail customers and finds its balance sheet shape and structure difficult to manage. Which one of the following characteristics of a bank with wide retail operations is INCORRECT?

A) The way retail customers behave in relation to the retail banking products they hold often results in the apparent contractual obligation of the parties providing a poor description of the actual nature of the obligations.
B) Pricing of retail products often has more to do with marketing considerations rather than prevailing market price.
C) Attracting and retaining customers often involves offering retail products whose features are different from wholesale market products.
D) Banks with a wide retail base are typically driven by contractual obligations and not simply relationship considerations.

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

A) Exposure at default
B) Loss given default
C) Duration of default
D) Probability of default

Solutions: