4 (10 points) What is a correct statement? Question 4 options: Interest rate risk is the chance that interest rates may increase, decreasing the value of bank assets. Credit risk is the chance that a borrower will default on a loan by not fully meeting stipulated payments on time. Liquidity risk is the risk that a bank may not be able to meet its short-term obligations due to an inability to convert assets to cash quickly. All the above. Question 5 (10 points) What is the primary objective of bank risk management? Question 5 options: Maximizing shareholder returns regardless of risk Minimizing all types of risk, even if it limits profitability Focusing solely on credit risk Ensuring the bank remains solvent by balancing risk and reward Question 6 (10 points) Which strategy is commonly used by banks to manage credit risk? Question 6 options: Diversifying the loan portfolio across different sectors Reducing the interest rates on loans Increasing the volume of short-term loans Relying solely on government guarantees