hard · FRM Part 2 Market Risk

A bank's backtesting of its 99% VaR model over 250 days reveals 8 exceptions.

Under the Basel Traffic Light regime, which of the following is the most likely regulatory consequence?

  1. The bank must shift to 'Actual P&L' for backtesting purposes, since 'Hypothetical P&L' is only allowed up through the first 5 exceptions.
  2. The bank remains in the 'Green Zone' since the exception count still falls under 4% of the full 250-day sample size.
  3. The bank enters the 'Red Zone,' and its internal model is automatically deemed invalid for regulatory capital purposes.
  4. The bank enters the 'Yellow Zone', and the supervisor will likely increase the multiplication factor on the VaR-based capital charge.

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