From which of the following did banks earn profits under the traditional "originate to hold" model of banking?

From which of the following did banks earn profits under the traditional "originate to hold" model of banking?

Securitization of home loans

Making loans and earning interest that was higher than the interest paid on deposits

Charging fees to their customers for services like overdrafts and financial advice

Holding liabilities that were always a little larger than their assets.

The risk that a person who borrows from a bank may not be able to repay the loan is known as _________.

Market risk

Solvency risk

Credit risk

Liquidity risk