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One of the benefits to a bank of securitizing and selling its loans is that: it increases the risk, and therefore the rate of return,

One of the benefits to a bank of securitizing and selling its loans is that:
it increases the risk, and therefore the rate of return, of the bank's balance sheet.
it allows the bank to benefit directly from having made well-researched loans.
the bank gets more liquid.
it increases the bank's leverage ratio.
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