any four of the following questions (a) to (e). Each question carries five (5) marks. A. What are the three principal techniques for calculating and controlling interest rate risk? B. Why is an entity like a bank required to have an enterprise risk management system? C. Describe three ways that banks manage credit risk, including its characteristics. D. Examine the importance and effect of liquidity risk on a bank's balance sheet. How can a bank manage liquidity risk? E. Describe the importance of net interest income on a bank's profitability. F. Briefly explain how value at risk (VaR) works. What are the potential problems with VaR