Please help me on this question. How to interpret this matrix?

Matrix dank has compiled the following migration matrix on consumer loans The higher the risk grade the nigher the default risk. If in the most recent year, the bank manager finds that the transition probability from risk grade 2 to 3 is 0.05 and to 4 is O_ 10, then the bank manager should take which ot the following actions to reduce concentration risk?e Risk Grade at End ot Yeare Risk grade at beginning ot eare Select one:e 30 _ 020 30 _ 020 _ 780 40 _ 020 _ 020 .11e a. Increase supply ot loans to risk grade 3 borrowers_e 5. Restrict supply ot loans to risk grade 2 borrowers_e c. Increase credit risk premium on risk 3 borrowers.e d. Restrict supply ot loans to risk grade 1 borrowers]v e. Increase supply ot loans to risk grade 2 borrowers_e