QUESTION 21 Recoveries, in the banking industry, refer to a the value of loans written off as uncollectible Ob.getting better after COVID 19 c. the value of loans that were previously charged-off, but later collected. d. net charge-offs e.loans that regulators have classified as potentially bad QUESTION 22 Which of the following would be best categorized as operational risk? a the risk that a bank may not be able to the meet day-to-day cash needs of its customers Ob.gains or losses from changes in interest rates c. the risk that borrowers default on their subprime loans d. long-term problems that could lead to negative equity and loss of shareholder funds e the risk that costs could be higher than expected or revenues lower than expected due to internal bank processes or unexpected problems