46. Which of the following statements is not correct concerning credit risk? A. Credit risk is the risk of counterparty default and is usually the single largest risk facing a Fl. B. Credit risk occurs when borrowers are unable to repay their loans on time. C. Credit risk decreases when Fls concentrate their loan exposures on a few counterparties and APRA requires that Fls have appropriate polices to manage such risk. D. Credit risk increases when Fls concentrate their loan exposures on a few counterparties