d) 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. e) If a bank's concentration limit (as a percent of capital) is 20 percent, and its expected recovery from defaulted loans is 50 percent, what is the maximum loss it permits to affect its capital in the event of a default? A. 5 percent. B. 10 percent. C. 15 percent. D. 20 percent. E. 25 percent. f) Which of the following is NOT a potential cause of liquidity risk for a DI? A. A decrease in the Di's stock price caused by market factors. B. An increase in requests to fund large amounts of loan commitments. C. A decrease in the availability of short-term borrowed funds. D. An increase in requests by depositors to withdrawal large amounts of deposits. E. A decrease in asset prices of securities held in the investment portfolio. g) A disadvantage of using purchased liquidity management to manage a FI's liquidity risk is A. the resulting shrinkage of the FI's balance sheet. B. the relatively high cost of purchased liabilities. C. the accessibility of international money markets. D. tax considerations. E. loss of flexibility as a result of dependence upon purchased liabilities