12-22 Migration Analysis Is a Tool to Measure Credit Concentration

question 57

Multiple Choice

12-22 Migration analysis is a tool to measure credit concentration risk and refers to

• A)the identification of problem loans in sectors by observing periodic migration of industries.
• B)the identification of credit concentration by observing trends in market borrowing by different sectors of the industry.
• C)the identification of credit concentration by observing the downgrading or upgrading of credit ratings on securities in different sectors of industry by public rating agencies.
• D)the identification of borrowing patterns such as long or short term debt by different sectors of industry.
• E)the identification of shifts in debt/asset ratios of firms in specific industries.

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Definitions:

Grandiose Narcissism

A personality trait characterized by an inflated sense of self-importance, a deep need for admiration, and a lack of empathy for others.

Implicit Self-Esteem

A type of self-esteem that operates at an unconscious level, influencing judgments and behaviors without explicit awareness.

Explicit Self-Esteem

A conscious and reflective sense of personal worth or value.

Self-Control

The power to oversee one’s affective responses, mental activities, and actions in the presence of enticements and spontaneous inclinations.