With the information given above, what can be said for Credit and Liquidity risks during 2017-2018? Explain your answer by defining what is Credit Risk and Liquidity Risk.

Dec 2018 Dec 2017 Credit Risk Ratios Loan loss allow/Total loans Total noncurrent/Total Loans 0,47% 3,18% 1,44% 3,13% Liquidity Ratios Core deposits/aTA Short-term investements/aTA Net loans to total deposits 51,33% 37,66% 90,33% 54,17% 38,08% 99,90% Dec 2018 Dec 2017 Credit Risk Ratios Loan loss allow/Total loans Total noncurrent/Total Loans 0,47% 3,18% 1,44% 3,13% Liquidity Ratios Core deposits/aTA Short-term investements/aTA Net loans to total deposits 51,33% 37,66% 90,33% 54,17% 38,08% 99,90%