Why is credit risk important in financial risk management? 1) It may cause a bank to borrow more than it needs in the form of interbank loan. 2) Rising default risk may lead to a decline in the bank's market value of equity. O3) Credit risk losses may result in the reduction of net worth below the regulatory minimum 4) Liquidity risk will rise, causg the bank to liquidate some of its assets in a fire sale 5) All of the above is correct