Banking · Banking Risks

Consider the following statements regarding the distinct classifications of banking risks: I. Credit risk arises from the potential failure of an organization's business strategy or the emergence of external factors that impact its strategic goals. II. Market risk emanates from fluctuations in financial market variables such as interest rates, exchange rates, and commodity prices. III. Operational risk stems from inadequate internal processes, system technology failures, human errors, or external disruptive events. IV. Liquidity risk results from changes in interest rates affecting the value of financial instruments. Which of the statements given above are correct?