Insolvency risk at a financial intermediary $($FI$)$ is the risk

Group of answer choices

When a large of number of depositors decide to withdraw their funds from the FI$.$

When an increase in interest rates reduces the market values of the FI$$s assets.

When an FI$$s assets have longer maturities than its liabilities.

That cash flows from loans held by FIs may not be paid in full.