easy · FRM Part 2 Market Risk

A bank uses a 95% VaR model for its internal risk limits but is required by the regulator to backtest at 99%.

What is the main statistical reason for using the 95% level internally for validation?

  1. To meaningfully decrease the probability of Type I errors, or false alarms.
  2. To ensure actual portfolio P&L always exceeds the modeled VaR.
  3. To increase the power of the backtest and reduce Type II errors.
  4. Because the 95% VaR is always a fully coherent risk measure.

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