Which of the following statements is FALSE concerning credit risk? Select one: a. Credit risk occurs when borrowers are unable to repay their loans on time. O b. Credit risk decreases when banks concentrate their loan exposures on a few counterparties and APRA requires that banks have appropriate policies to manage such risk. O c. Credit risk is the risk of counterparty default and is usually the single largest risk facing a financial intermediary. O d. Credit risk increases when banks concentrate their loan exposures on a few counterparties