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

1. To protect the oranges harvest price level, a farmer needs to take a hedge position. Provided that he produces the amount he hedged, which one of the following four strategies will allow the farmer to accomplish his goal?

A) Negotiating a credit line facility
B) Going long on oranges futures contacts
C) Entering into a customized forward contract with the bank
D) Going short on oranges futures contracts

2. Which one of the following four model types would assign an obligor to an obligor class based on the risk characteristics of the borrower at the time the loan was originated and estimate the default probability based on the past default rate of the members of that particular class?

A) Causal models
B) Credit rating models
C) Historical frequency models
D) Dynamic models

3. Which of the following statements regarding CDO-squared is correct?
I. CDO-squared use other CDOs and CMOs as collateral.
II. Risk assessment of CDO-squared is almost impossible due to their complexity.
III.
CDO-squared have lower credit risk than CMOs but higher than CDOs.

A) I and II
B) II and III
C) I, II, and III
D) I only

4. According to a Moody's study, the most important drivers of the loss given default historically have been all of the following EXCEPT:
I. Debt type and seniority
II. Macroeconomic environment
III. Obligor asset type
IV.
Recourse

A) III, IV
B) II
C) I, II
D) I

5. Mega Bank has $100 million in deposits on which it pays 3% interest, and $20 million in equity on which it pays no interest. The loan portfolio of $120 million earns an average rate of 10%. If the rates remain the same and Mega Bank is able to earn the same net interest income in perpetuity at a 5% discount rate, what will the present value of this holding be?

A) $100 million
B) $200 million
C) $180 million
D) $150 million

Solutions: