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63. Under the Internal ratings-based approach of the Basel II accord for securitization exposures, to which of the following does ‘Thickness of exposure’ refer?
a. The average ‘number of years’ the bank has been associated with the borrower as a lender.
b. It is the ratio of the ‘nominal size of the tranche of interest’ to ‘the notional amount of exposures’ in the pool.
c. It is the ratio of the ‘amount of all securitization exposures subordinate to the tranche in question’ to ‘the amount of exposures in the pool’.
d. The average ‘amount’ of the exposure (international) to the group of borrowers in the pool converted to Euros.

64.Indentify the incorrect statement regarding the ordinary least squares (OLS) regression assumptions:
a. Due to heteroscedasticity, estimated coefficients and their standard errors become biased
b.Lagged variables ofter cause auto-correlation.
c.Principal component analysis can be used to remove the effects the multicollonearity as principal components are uncorrelated.
d.All of the above.