Can someone explain these?

Select all that are true regarding credit n'sk for a bank. C] This risk is an estimate of future uncollectibility that results in a provision expense on the bank's income statement. C] Business cycles create variations in this risk, but affect each borrower dierently. C] Material changes in the housing malket impacts banks and their credit risk signicantly due to the relative size of the mortgage portfolios. C] Despite it's signicance to banks. the housing market is a small part of the economy and has little effect elsewhere so there is no impact to credit risk. C] Changes in the business cycle affect all rms the same, so credit risk is procyclical. Match the correct type of bank risk with the appropriate associated statement. _ v The possibility that a borrower could make late: reduced, or no A, Liquidity Risk payments on their loans. B. Interest Rate Risk - v Bank management may make poor strategic decisions that resuft in lower prots for the bank. C' Credit RISk . D. Business Operations Risk - v Hackers could break Into bank customer accounts. _ E. Market Risk _ v Inability to access capital markets and higher borrowing costs could hurt the bank's ability for funding opportunities. _ v Changes in the yield curve could increase shorttenn rates andfor decrease longterm rates, resulting in a lower net interest margin for the bank. v General economic conditions can affect banks in the US. - v Differences in the timing and drivers of rate changes reecting the maturity andlcr reprlcing of assets and liabilities could put the bank's earnings at risk. Select all that are true regarding business operations risk for a bank. C] The cost of the bank meeting regulatory compliance requirements is minimal for most institutions and has no net effect on this risk. C] The increased regulation of banks reduces the risk in this category. C] In recent years the need for physical security of the bank's premises has become more important than the bank's cybersecurity of their online operations. C] This risk can be measured by variance to budgeted nancial results, which is heavily inuenced by interest rates and management strategy. C] This risk is impacted by the risk management strategies and procedures undertaken by the bank. C] Uncertainty in new or updated banking regulations is a part of this risk