Multiple choice

There is a perceptible risk even in case of good loans (standard assets).

  1. True

  2. False
Reveal answer Fill a bubble to check yourself
A Correct answer
Explanation

Standard assets (classified as performing loans) do carry some risk, even if minimal. No loan is completely risk-free as economic conditions, borrower circumstances, and market dynamics can change. The term 'perceptible risk' appropriately acknowledges that even good loans have measurable default probability, which is why banks maintain provisions and capital reserves.

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