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GARP 2016-FRR Echte Fragen - 2016-FRR Tests

Schulungsunterlagen zur GARP 2016-FRR Zertifizierungsprüfung von ExamFragen werden uns dabei helfen, die Prüfung erfolgreich zu bestehen, was auch der kürzeste Weg zum Erfolg ist. Jeder könnte erfolgreich werden, solange man die richtige Wahl fällen kann. Nach langjährigen Bemühungen haben unsere Erfolgsquote von der GARP 2016-FRR Zertifizierungsprüfung 100% erreicht. Wählen Sie ExamFragen, wählen Sie Erfolg.

Die GARP 2016-FRR (Financial Risk and Regulation (FRR) Series) Prüfung ist eine Zertifizierung, die Ihre Fähigkeiten im Umgang mit finanziellen Risiken und der Einhaltung globaler Regulierungsrahmen validiert. Die Prüfung wird von der Global Association of Risk Professionals (GARP), einer gemeinnützigen Organisation, die weltweit Fachwissen in der Risikobewertung und dem Risikomanagement fördert, angeboten. Das Zertifizierungsprogramm richtet sich an Fachkräfte der Finanzdienstleistungsbranche, die ihr Wissen erweitern möchten, um die komplexe finanzielle Risiko- und Regulierungsumgebung besser zu verstehen.

Die FRR -Serienzertifizierung ist in der Risikomanagementbranche hoch angesehen und von Arbeitgebern weltweit anerkannt. Die Zertifizierung ist eine hervorragende Möglichkeit für Risikoprofessionals, ihre Karriereaussichten zu verbessern und ihr Fachwissen in Bezug auf Finanzrisikomanagement und -regulierung zu demonstrieren. Die FRR -Serie -Zertifizierung ist auch eine hervorragende Möglichkeit für Arbeitgeber, sicherzustellen, dass ihre Risikomanagementteams über die erforderlichen Kenntnisse und Fähigkeiten verfügen, um das Finanzrisiko effektiv zu verwalten und die regulatorischen Anforderungen zu erfüllen.

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GARP Financial Risk and Regulation (FRR) Series 2016-FRR Prüfungsfragen mit Lösungen (Q193-Q198):

193. Frage
Which of the following are conclusions that could be drawn from the shape of the statistical distribution of losses that a bank might incur over a future time period?
I. In most years a bank would look more profitable than it will be on average.
II. Most of the time a sufficiently well capitalized bank will appear over-capitalized.
III. Bad years do not come along very often, but when they do they lead to enormous losses.

A. I, II, III
B. II, III
C. I, II
D. I, III

Antwort: A

Begründung:
From the statistical distribution of bank losses over a future period, several conclusions can be drawn:
* I. In most years a bank would look more profitable than it will be on average: This indicates that most years will show better-than-average profitability because the distribution of losses includes infrequent but severe loss events.
* II. Most of the time a sufficiently well-capitalized bank will appear over-capitalized: Because banks prepare for rare but significant losses, in normal years, their capital reserves may seem excessive.
* III. Bad years do not come along very often, but when they do they lead to enormous losses: This reflects the heavy-tailed nature of the loss distribution, where extreme losses are rare but severe.
All three statements correctly reflect the characteristics of the loss distribution for banks.References: How Finance Works, sections covering statistical analysis of losses and capital adequacy.

194. Frage
When considering the advantages of operational risk function owned by the Chief Compliance Officer in a financial institution, an operational risk manager consultant suggests that this governance approach will have all of the following advantages except:

A. The operational risk function quickly inherits an existing reporting structure, established meeting schedules and functional reporting cycles from the compliance function.
B. This governance structure maintains an independent operational risk function.
C. In accordance with Basel II Accord, the operational risk function should report directly into the audit function and strengthen that function.
D. The operational risk function is closely linked in a partnership with the compliance function to leverage data and assessment activities.

Antwort: C

Begründung:
Advantages of having the operational risk function owned by the Chief Compliance Officer include:
* Maintaining an independent operational risk function.
* Linking the operational risk function closely with the compliance function to leverage data and assessment activities.
* Quickly inheriting an existing reporting structure, established meeting schedules, and functional reporting cycles from the compliance function. However, according to Basel II Accord, the operational risk function should not report directly into the audit function; it should have its own distinct reporting line to maintain independence.

195. Frage
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

Antwort: B

Begründung:
* Net Interest Income Calculation:
* As previously calculated, the net interest income is $9 million per year.
* Present Value of Perpetuity Formula:
* Present Value (PV) = Net Interest Income / Discount Rate
* PV = $9 million / 0.05 = $180 million
Correction:
* The net interest income was stated as $9 million earlier, but here, let's verify this calculation:
* Interest income from $120 million at 10% = $12 million
* Interest expense on $100 million at 3% = $3 million
* Net interest income = $12 million - $3 million = $9 million
* Correct Present Value Calculation:
* PV = $9 million / 0.05 = $180 million
Final Verification:
* The previous net interest income used is correct and the final PV calculation should stand corrected as per the perpetual formula:
* PV = $9 million / 0.05 = $180 million, confirming the right choice should be $180 million.
References
Source: How Finance Works

196. Frage
Which one of the following four statements about economic capital of a bank is correct?

A. Economic capital reflects the possible losses that could occur based on the bank's own estimates of the risks it is taking.
B. Economic capital measures how the economy is doing compared to the bank.
C. Economic capital is determined by rules imposed by an external authority.
D. Economic capital is the present value of the earnings generated by the bank in the future.

Antwort: A

Begründung:
Economic capital is a risk measure used by banks to determine the amount of capital they need to hold to remain solvent and cover potential losses:
* Internal Risk Estimates: Unlike regulatory capital, which is determined by external regulatory requirements, economic capital is based on the bank's own risk assessment models and internal estimates of potential losses.
* Risk Types: It considers a range of risks including credit risk, market risk, operational risk, and other financial risks that the bank might face.
* Purpose: The goal is to ensure the bank has enough capital to absorb unexpected losses and to maintain confidence among depositors and investors.
Therefore, economic capital is a measure of the potential losses based on the bank's internal risk estimates.
References: How Finance Works, detailed discussions on economic capital and risk management.

197. Frage
Which one of the following four statements describes the advantage of using delta-gamma method of mapping
options positions over delta-normal method?
Delta-gamma method

A. Overstates the risk of long option positions, but understate the risk of short option positions.
B. Fully captures option price risk, particularly for extreme price movements.
C. Converts options into underlying factor risks according to their deltas and the gammas to those factors.
D. Approximates more accurately the non-linear relationship of option values and risk.

Antwort: D

198. Frage
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