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Which of the following statements is TRUE? Select one: a. All of the other statements are true. b. Lower leverage of a borrower increases the

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Which of the following statements is TRUE? Select one: a. All of the other statements are true. b. Lower leverage of a borrower increases the credit risk to the bank c. Charging a higher interest rate on loans to high-risk borrowers is not a good strategy to manage credit risk d. Covenants in loan contracts help the bank to monitor and control credit risk of borrowers

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