Which of the following statement$($s$)$ is$($are$)$ false with respect to the Hybrid system?

Question $3$Select one or more:

a$.$

Marginal mortality model is part of the Hybrid system.

b$.$

RAROC model can only be applied to listed companies.

c$.$

The RAROC denominator is the amount of capital exposed to risk.

d$.$

Banks will be more reluctant to lend to borrowers with higher RAROC, ceteris pariubs.

e$.$

None of the above