Report on the risk profile of Banks of Albany New York

Table of Contents

1 Introduction 3

2 Possible bank risk issues 4

2.1 Credit risk 4

2.2 Counterparty risk 4

2.3 Market risk 4

2.4 Structural risk 5

2.5 Operational risk 5

2.6 Liquidity risk 5

3 Risk profiles 5

3.1 The risk profile of US credit union 5

3.2 The risk profile of Cap Com 7

3.3 The risk profile of Sefcu 10

4 Summary 12

5 Conclusion 13

6 References 13

1 Introduction of The risk profile of Banks of Albany New York

Despite the increasing significance of the banks in the world, the regulatory structures of banks are still facing the jurisdictions. The capital issues are the securities that fall due to certain neglected conditions. The risk profiles are meant to indicate several possible structures from different bank dominated conglomerates. Now a day every one or every bank is trying to overcome the risk they are facing. The risk can be of many types it may relate to the individuals or a business community. The present work aims to address the different questions by evaluating the risk profile of typical banks of New York. The typical analytical issues that are related to the risk are proposing policy issues and aggregation. In the banks, the internal risk and capital management framework are designed to overcome the issues and now they are working on the list of risks they are facing and how to overcome those risks (Ayadi, Keoula, Groen, Mathlouthi, & Sassi, 2017).

Value-based Internet banking (TIB) alludes to the usefulness that bank clients can do most exchanges, specifically, move of assets from one record to another, on-line. The goal of this paper is to research the effect of presentation of TIB on the exhibition and hazard profile of significant credit associations in Australia. To accomplish the goal of the examination, suitable relapse investigation (edited ordinary/OLS) was performed utilizing execution and hazard profile measures as reliant factors and a lot of free factors drawn from significant hypothesis what's more, writing. The examination shows that the presentation of TIB didn't have critical away on the presentation and hazard profile of credit associations.

The analysis adopts different approaches that allow the risk policies in the business to find the effects and solutions. The unique issues are also considered based on the issues and how they can be reduced. The banks under consideration in the present work for the risk profile assessment include US credit Unions, Cap Com, and Sefcu banks of Albany, New York. The risk analysis is committed to finding ethical, sustainable growth, and business practices. Strong risk management includes social and environmental operating principles (Sathye, 2020; Icbc. com. cn, 2018). The risk policy frameworks are articulated to outline the social and environmental issues. The impact of issues is measured for the communities, company, employees, clients, and vendors. The social risk policy framework used in the model will provide transparency and clarity about the approaches used by the individual bank.

2 Possible bank risk issues of The risk profile of Banks of Albany New York

The business model of all the banks is dependent on the geographical areas in which it operates but in the present work all the banks are considered from Albany, New York. These banks operate in different framework to control the risk issues by the regulatory environment, adopting the circumstances, and addressing the management globally. These banks tend to adopt the policy of traditional internet Banking (TIB). By adopting TIB it’s the probability for the bank to increase in profit and reduce their risk profile. By adopting e-banking activities we are increasing the risk of traditional risks. The models are designed for risk management that can be adapted by the proper strategy and risk profile entity (Ayadi, Keoula, Groen, Mathlouthi, & Sassi, 2017). The risk inherent in the banks make the risk profile and these risk issues are as following,

2.1 1.1 Credit risk of The risk profile of Banks of Albany New York

Credit risk is associated with the probability that one of the financial instruments fails to meet the required obligations due to the inability to pay and insolvency and sometimes due to the financial loss. The issue includes counterparty risk, country risk, liquidation risk, and issuer credit risk.

The best example of credit risk is that if a bank gives a loan to a borrower and the person failed to return the loan. This credit risk arises due to not getting the payments back.

The profit of a bank immensely tactful related to the credit risk. If the credit risk of the bank increase by a small amount, then the profit of the bank can highly effected. (Credit Risk, 2013)

2.2 1.2 Counterparty risk of The risk profile of Banks of Albany New York

Such issues arise due to the possibility of losses that were derived from the positions in the reports and derivatives. These risks are related to the other party which did not meet the obligations of the Financial Contract. The counterparty risk is also familiar to default risk. The default risk point toward the person or party who did not pay their payable dues according to their contractual obligation. (Businesscredit. dnb. com, 2020).

2.3 1.3 Market risk of The risk profile of Banks of Albany New York

The market risk arises due to the possibility that some losses may be losses in the values of positions, market variables, and other valuation of financial assets and products that are linked with the trading activity. The issues come due to an increase in the interest rates, exchange rates, commodity price, and fluctuation in bonds. This issue arises when some investors come across any loss in such a way that it can affect the whole financial market. The Market Risk relates to the Systematic Risk. Market Risk can occur due to political issues, political fall downs, terrorist attacks, and also due to the change in interest rate. The market risk depends upon the interest rate of the Bank. This may also increase due to the some loss of investors in the market place. (Sathye, 2020). 

2.4 1.4 Structural risk of The risk profile of Banks of Albany New York

The structural risk can be divided into the interest rate risk, entity net interest income, and structural currency risk.

2.5 1.5 Operational risk

The operational risks are those who could potentially cause losses due to inadequate or faulty internal processes of the bank, human errors, system failure, and external events. The issues are often a legal risk, business risk, strategic risk, and reputational risk. Most of the banks from all over the world have tolerated more than $210 billion due to this operational risk. This risk can be reduced by training people efficiently to reduce the occurrence of errors and also the management has to look after the computational system regularly to get rid of this risk. (Dnb. com, 2020).

2.6 Liquidity risk

 The liquidity risk arises due to having issues and problems in the duly meetings and payment commitments. In such situations, the funding undergoes burdensome terms that result in harm to the bank reputation and image. (liquidity Risk, 2106)

3 Risk profiles

3.1 The risk profile of US credit union of The risk profile of Banks of Albany New York

The business model of US Credit Union in Albany, New York can be stated as it provides the information of wealth to the market participants such as depositors, regulators, participants, creditors. Some other strategies are designed to control the behavior of banks in the market where they are active about the contribution of systematic risk, time, and risk profiles. Figure 1 below provides the relation of risk-weighted assets with distance to default for US credit union.  The estimation results show a persistent relationship between the distance to default and regulatory risk measures as a negative relation. The entire result of the graph shows a negative result. The scattered plot of the observation is mainly about the investment-oriented banks and wholesale-oriented reports. The business model of the credit union can be initiated as they provide the loans, wealth and share to their customers. (Ayadi, Keoula, Groen, Mathlouthi, & Sassi, 2017).

Credit Unions assume a significant job in giving advances to the more fragile areas of the general public and henceforth add to the monetary improvement of a country. The motivation behind this examination was to look at the acknowledge hazard related for the select credit associations in Belize. The investigation incorporated an overview of individuals from credit associations and advance officials of significant credit associations in Belize. Essential information was gathered utilizing Questionnaires, auxiliary were gathered from the evaluated yearly reports of credit associations and the Statistical Institute of Belize. The information was examined utilizing SPSS programming. The investigation indicated that the credit associations practice due consideration in supporting advances to borrowers. The credit the executive's framework utilized by the credit associations incorporates an examination of the business status of borrowers, characters of borrowers, lawful agreement to give up compensations and different advantages against the advance, checking of the utilization of advances for the intentions being endorsed for and the utilization of offers as insurance for advances. These measures lead to the end that the credit chance administration arrangements of the chose credit associations are satisfactory for compelling danger the board. Because of these discoveries, proposals were made to additionally fix the credit approaches of the credit associations and to expand their benefit base so they can keep on adding to the financial advancement of Belize.

The positive relation from the graph implies that risk-weighted assets are inversely related to the underlying risk issues. The relationship becomes weaker when the capital is fully controlled. This implies that banks with the greater risk-weighted assets hold high capital that is partly offset for the lower risk profile. The estimation of the bank size also contributes a lot to the line of expectations. The analysis and reports provided by US Credit Union banks capture the underlying risks associated with the business model and exposes to the loans. The relation defined two measurements of risk that are ambiguous and require controlling of capital levels.

The bezel committee states that with e-banking activities we are increasing some traditional risks. The performance of the bank is comparable and approximately like the large banks. The risk profile of banks in Albany is barely better as compared to the other mid-sized banks as they are facing more risk issues. They are better in such a way that NACFU provides the credit union the security on their profile risks. (Sathye, 2020).

The issues facing by the credit union are:

Credit risk involves the credit union and an individual –having agreement on loan. This risk occurs due to the unavailability of dues according to the obligations Interest rate risk also put bad impact on the credit union. If the interest rate increases then it puts the pressure on the credit union to grow split rate the share on things. Transaction risk includes the fraud transaction or any transaction error. Each of credit union should take steps to avoid these types of transactions

There are many kinds of risks and many ways to access risk management, but the NAFCU is taking steps to prevent the credit union s from these kinds of risks, and somehow they gain some success to some extent in this field.

The issues of the credit Union are not only headache but also they are very costly. This bank pays out about $6.1 million to keep their system up to date. It looks simple but it is not very difficult to maintain the bank to work in a simple flow.

Another factor that induces impact on the risk related issues is transactional internet banking (TIB) that refers to the normal functionality of the bank for the customers and how it provides transaction, online system, and transfer of funds. The credit union adopts the transactional internet banking to give high competition to their competitors and also to the financial issues. The Harnando(2007) states that by internet banking, the bank can suspend their most of the expenses. the transaction internet banking can also become the source of increasing the risk profile of the bank. An investigation reveals that by adopting internet banking the profit of the bank can increase deposit charges. The reports provided by the bank worked to evaluate the impact of the transactional internet banking on the risk profile and performance of the major credit unions. The performance was evaluated by linear programming techniques and data envelopment under the relevant and required explanatory variables. The reports of the bank about the union credits show that TIB did not have a significant and drastic impact on the risk profiles and performance of credit unions (Sathye, 2020). Transactional internet banking not only has a drastic impact but it also gives relief to their customers that they can transfer funds online from one corner of the world to another. The research of some years shows huge addition in the membership of the US credit union. As compared to the commercial banks, the credit union bank operates with different constraints such as membership, small size, geographical area, membership confined occupation, and limited transaction volumes. This number of processes makes it hard to find the benefits of technology.

Due to the limited operations of the credit unions, the performance-enhancing tools may not help in finding significant associations. The common bonds and customer services provide competitive advantages to the credit union and it changes from low to high transaction volume. The innovative instruments used by credit unions provide securitization of loans but face rate risk, off-balance-sheet risk, credit risk, and price risk. It's difficult to help (Ayadi, Keoula, Groen Mathlouthi, & Sassi, 2017).     

Figure 1: Risk-weighted assets relation with distance to default for credit union bank of New York

3.2 The risk profile of Cap Com of The risk profile of Banks of Albany New York

In Albany, New York, CAP COM federal credit union has been operating and serving since 1953. It is considered as a 12th largest credit union in New York. The calculated total assets are nearly $1.94 billion, and it provides banking services that work for 137,000 members (Creditunionsonline. com, 2018). The credit union provides the member-owned financial cooperative services as the financial banking service with the number of groups. The groups are primarily serving the utilities and communications of employees. The membership is open to the immediate members of the registered members. In this section, different risk issues are considered for the CAP COM. (Bank risk, 2015) The impact of the banking services is considered for the credit downgrade issues and it can be measured from the mark to market on the derivative contracts. If a Cap Com losses increase then it can only affect the individual which is the member of Cap Com credit union. The credit union has convex on that they had never called the taxpayer member to help them in their financial means. (Thevault. exchange, 2013).

The NCUA gives guidance to credit unions on behalf of risk. It includes

• Due to the increase in profile, its necessary to change the balance sheet of a credit union.

• With the increase of profiles, the rate of risk and failure increases. We have to learn a lot from these failures and risks

• Declining land esteems bring about the potential for raised degrees of credit chance using a credit card association accounting reports. While credit associations don't broadly offer non-conventional home loan items or partake in subprime loaning, the decreases in land esteem and going with increment in dispossessions influence credit associations the nation over.

• The issues affecting the home loan showcase are spreading to other loaning items. While the Supervisory Letter principally addresses the potential dangers inland loaning, a significant number of the standards talked about can be applied to other credit items. (Cap Com, 2017)

The selection of TIB didn't show a critical relationship with the exhibition of the significant Australian credit associations in the example. These discoveries are like the examination of Sullivan (2000) who didn't discover any distinction in the execution of Internet banks what's more, non-web banks. These discoveries, nonetheless, differentiate those of Furst et al. (2000) who found that 'organizations with TIB beat non-Internet banks regarding benefit'. The consequences of relapse on chance factors shows that the appropriation of

TIB didn't have a critical relationship with the working danger variable. Sullivan (2000) examined the effect of the presentation of the Internet depending on the chance profile and found that '… proportions of hazard don't highlight higher hazard in Internet banks' when contrasted with non-Internet banks. Be that as it may, as for credit chance, it appears the IECUs are arranged to face more challenges. Contrasted with business banks, credit associations work under different requirements like little size, the restricted region of activity, participation bound by and large to occupation or topographical zone which limit the volume of exchanges. This may make it hard for them to understand the full advantages of innovation. Further, banks could close branches in local zones and redeploy staff if clients move to Internet banking, such openings might be exceptionally restricted to acknowledge associations as individuals may dislike such activities. This implies so far as littler monetary organizations like credit associations are concerned, TIB may not help as an exhibition upgrading apparatus, especially in ahead of schedule long periods of its appropriation. Concerning the working danger, the reception of TIB didn't appear a critical relationship with LOGGI (working danger variable). The KPMG properly states that the Internet banking administrations of the significant structure social orders and credit associations is a critical advance 'in the arrangement of serious electronic client administration'. Notwithstanding, while client support and basic bond brings serious bit of leeway to credit associations, their exchanges are low-esteem with high exchange volume. On the off chance that the TIB is to turn into a presentation upgrading instrument, credit associations would presumably need to guarantee that most, if not all, individuals make expanding u

so, thereof also, it is utilized forcefully as a strategically pitching chance. (Capcom, 2012)

The impact of the liquidity is measured for the potential exposure and capital management committee (Cap Com) model for the stress testing process. The bank operates a liquidity governance framework that exposes the risk. The framework works efficiently for the exposure of active management risk liquidity through the capital management committee (Cap Com) and other subcommittees. We cannot assume what we cannot realize. The liquidity losses cannot be measured in terms of banking. This loss can be merged from many other losses. The Cap Com works to establish the liquidity risk standards that fulfill the regulatory and prudential requirements. The liquidity can risk the profile of any bank, it occurs due to investor’s loss in the related field. The other responsibilities of the system are to review and make strategic decisions based on matters that are related to liabilities, liquidity of assets, and compositions. Besides that, some other consideration is the review and approving the funds, liquidity position, effectiveness of stress, and review of completeness (Dnb. com, 2020; Barr, Catherine, & Raimbault, 2012).

The Cap Com committees can also be demonstrated as compliance and liquidity contingency management that respond to the heightened liquidity risk. The market risk associated with the operations is based on the governance framework. Market risk management units measure trading activities, independent trading operations, trading activities, banking activities, risk exposure, and other banking processes (Icbc. com. cn, 2018). The risk management techniques used for the assessment of risk include daily value at risk (VaR), stressed value at risk (SVaR), risk factor market risk, economic value of equity, annual net interest income, and market risk factors. The risk exposure that is related to the banking sectors mainly deals with the management of potentially adverse issues. In the present consideration, the risk is transferred to the management, liability management team, and asset management that monitors the local risk management. The main analytical technique is used to quantify the valuation-based measures (Ayadi, Keoula, Groen, Mathlouthi, & Sassi, 2017).

The annual reports of the bank show emergence of increased liquidity risk, third party attack on the online transaction system, and security issues. Under the present condition, the existing business model of the bank in Albany does not run the substantial interest rate risk in the banking process. They are monitoring the current yield curve risk and repricing model. The approach, if implemented can deem the appropriate quantum of risk. Cap Com manages different types of strategies related to the processes for the hedging of all the defined capital resources. In this case, the denominated currency is other than USD and the cost base conditions incurred the currencies instead of USD (Icbc. com. cn, 2018). 

Figure 2: Analysis of trading profit

Figure 2 below provides a detailed analysis of trading profit. The volatility is not available for earnings and resources. In the execution of the hedging strategies, Cap Com considers the effectiveness, cost, and the accounting impact of the proposed strategies and then consider if it provides the economic rationale. Cap Com sometimes delegate the execution of transactions for the mandatory hedging. Cap Com monitors all new and capital hedges that can be executed with the effectiveness. The NAFCU provides clear guidance to credit unions that how to overcome the issues or profile risks. (Icbc. com. cn, 2018).  

3.3 1.1 The risk profile of Sefcu

Secure services, LLC is mainly working in Albany, New York, United States. The services are part of the credit union industry and the banks in New York. The services are provided to the client through 102 total employees across the locations. The credit reports and detailed business reports provide information about credit decisions and the management of risk (Dnb. com, 2020). The services are under the well-developed monitoring and management system. the reports quickly determine the risk of late payment of the company and identify how the credit can be extended based on the company. Risk issues are associated with the identification of credit, late payment, past payment behavior, credit extended conditions, and recommendations. The detailed one-time report provided by the official data of Sefcu help in mitigating the potential business risk and by accessing the operations, filing records, and financial performance. avoiding late payment is an indicator of supplier evaluation risk (SER), delinquency predictor score, and other factors. (gomedidci.com, 2014) The services provide instant access to the business credit database (Ayadi, Keoula, Groen, Mathlouthi, & Sassi, 2017). Their services are under well-settled and well-developed. They are still working to reduce the availability of risks of late payments, fraud payments, extended payments. The Use of traditional internet banking will increase the profit of the credit union.

The user can monitor the business risk of the company proactively. Even the services are under strong monitoring but the issues of security attacks and third-party access are still there. The risk exposure is associated with business credit profiles. The real-time detailed credit reports are based on the risk assessment of existing and new relationship at international levels, verification of the scope, size and existence of the business, review of the financial information, access of ratings and scores, and monitoring of multiple companies under the modern dashboards of SEFCU. The NAFCU should have to take serious steps to reduce the risk profiles of the credit unions. Some of the step have been taken but they are not enough valuable, the issues of security attacks and third-party are still there. (Sathye, 2020).

Liquidity hazard is a worry for financial specialists in private value; development in little organizations can require some investment, and private value speculators are relied upon to leave their assets with the private value firm somewhere in the range of four and seven years by and large. A few speculations require considerably longer holding periods before any profits are experienced. In other resource classes, for example, singular organization stock, shared assets or trade exchanged assets (ETFs), financial specialists can auction an interest very quickly should an it quickly decay. Private value doesn't offer that extravagance.

The regular and proactive monitoring of the services linked with the business credit risk can help in the protection of the company. it minimizes potential bad debt write-offs. The management of SEFCU take initiatives to reduce the risk issues and the prime concern is to low down the significant issues. the issues were mainly related to the users who can not access their money from home and the protected shape and form was not provided to the users (Ektinteractive. com, 2010). Table 1 below provides the risk-based capitals and approaches.

Table 1:   Risk-based capitals and approaches

The total credit risk exposure of SEFCU was less than 5% in the previous years and it was mainly due to the lower balances. The moving process includes equity-backed marginal loans, services, and other processes. The potential joint initiatives were supported by the capabilities. The market risk faced by SEFCU includes stress testing issues, stressed VaR, market risk exposure, and limits. The interest rate risk remains in the approved limits. The emphasis of the market risk in 2019 was on the implementation of new standards for capital requirements and market risk. The operational risk for the previous years was linked with the risk appetite (Creditunionsonline. com, 2018).

Private value financial specialists likewise face more prominent market chance with their speculations, as there is no assurance that any of the little organizations where private value firms contribute will develop by any stretch of the imagination. Disappointment is substantially more typical among these organizations, with just a couple out of twelve creation any critical return for the firm and its financial specialists. Albeit other resource classes convey showcase chance, the worry for default is less with increasingly settled organizations and their obligation or value issues. (Risks, 2017)

This paper examines the effect of the presentation of value-based Internet counts on the execution and hazard profile of significant credit associations in Australia. Execution was estimated utilizing straight programming procedure of information envelopment examination and relapsed on significant informative factors utilizing controlled typical relapse. Bookkeeping information was utilized to gauge hazard profile and relapsed on applicable illustrative factors utilizing OLS relapse. The outcomes show that value-based Internet banking didn't significantly affect any of these. Consequently Web banking hasn't ended up being a presentation upgrading device with regards to significant credit associations in Australia. It neither decreases nor upgrades chance profile. (credit union , 2016)

 The legal expenses remained continued to be incurred for the functions of assurances, transactions, and operational risk functions. Capital management was analyzed and remained sufficiently capitalized. The minimum regulatory capital adequacy and leverage ratio requirement was 5.02%. the capital resources are required to remain to continue for the management to ensure that the services meet the requirement of business and planning horizons. Different forms of the business requirements require capital resources and continue to ensure the regulatory capital rules in SEFCU (Businesscredit. dnb. com, 2020; Economictimes. indiatimes. com, 2019).   

4 1 Summary of the risk profile of Banks of Albany New York

The board of risk management committees represents the highest authority to take the design in the US credit union, Cap Com, and SEFCU. However, the board is not capable and allowed to make decisions for certain delegate functions. Figure 3 below provides a risk management framework to mitigate the issues. the primary risk management committee reports about the matter and significance of the issues to the risk management. the risk strategy is then developed to measure the current risk, the highest authority in the board have access to conduct the risk issues. the alternative issues are designed under such a mechanism that supports the delegated matters, tolerance, and risk appetite. The committee performs a specific review of operations, market, credit, physical commodity risk, liquidity, and responsibilities of compliance risk. Management is currently working to overcome all listed risks and issues but they are unable to find any solution about it. (Brighthubpm. com, 2020; Rausand, Marvin, Haugen, Stein, 2020).  

Figure 3: Risk management committee

5 Conclusion of The risk profile of Banks of Albany New York

The present work aimed to conduct a risk assessment of US credit union, Cap Com, and Sefcu in Albany, New York, United States. The risk profile disclosure was conducted for internal and external risk assessment. The report focusses on capital risk and key risk drivers. Also, the report's data was accessed to find the solution and alternatives to these risk profiles. The report confirms that intended risk issues can be reduced by better maintenance of capital adequacy levels.

References of The risk profile of Banks of Albany New York

Credit Risk. (2013). Retrieved from Risk: https://www.investopedia.com/terms/c/creditrisk.asp

gomedidci.com. (2014). Retrieved from https://gomedici.com/risks-in-the-banking-industry-faced-by-every-bank

Bank risk. (2015). Retrieved from https://books.google.com.pk/books?id=k5M92-OX0pIC&pg=PA92&lpg=PA92&dq=3.2%09The+risk+profile+of+Cap+Com&source=bl&ots=OcKKkiVa5h&sig=ACfU3U25NfHz4KDLTc5UCJz7u81fMqMPew&hl=en&sa=X&ved=2ahUKEwjnyZj0qqnpAhVz7eAKHQ7vD1kQ6AEwEnoECAUQAQ

credit union . (2016).

Cap Com. (2017). Retrieved from https://shareholdersandinvestors.bbva.com/microsites/pilarIII2015/en/2/brp.html

liquidity Risk. (2106). Retrieved from https://investinganswers.com/dictionary/l/liquidity-risk

Ayadi, R., Keoula, M., Groen, W. P., Mathlouthi, W., & Sassi, I. (2017). Bank and Credit Union Business Models in the United states . Retrieved from institutcoop.hec.ca: https://institutcoop.hec.ca/wp-content/uploads/2017/10/BBMM-2016_US-2-1-1.pdf

Barr, M. A., Catherine, M., & Raimbault, A. (2012). Emerging Risks: A Strategic Management Guide. Gower Publishing, Ltd.

Brighthubpm. com. (2020). Risk Assessment Methods in Project Management. Retrieved from www.brighthubpm.com: https://www.brighthubpm.com/risk-management/110139-an-overview-of-project-risk-assessments-with-samples/

Businesscredit. dnb. com. (2020). Business Information Report™ Snapshot. Retrieved from businesscredit.dnb.com: https://businesscredit.dnb.com/product/bir-snapshot/

Capcom. (2012). Capcomfu.org. Retrieved from https://www.capcomfcu.org/personal/learn/calculators/investing/asset-allocation/

Creditunionsonline. com. (2018). CAP COM Federal Credit Union. Retrieved from www.creditunionsonline.com: https://www.creditunionsonline.com/credit-union-496.html

Dnb. com. (2020). Company Profile. Retrieved from www.dnb.com: https://www.dnb.com/business-directory/company-profiles.sefcu_services_llc.22508f1773ff54010196c6246581f44d.html

Economictimes. indiatimes. com. (2019). Definition of 'Risk Management'. Retrieved from https://economictimes.indiatimes.com/definition/risk-management

Ektinteractive. com. (2010). Business Processes and Risk Management. Retrieved from www.ektinteractive.com: https://www.ektinteractive.com/business-processes-risk-management/

Icbc. com. cn. (2018). Pillar 3 Disclosures . Retrieved from v.icbc.com.cn: https://v.icbc.com.cn/userfiles/Resources/ICBC/haiwai/StandardBank/Download/2019/Pillar_3_Disclosures_2018.pdf

Rausand, Marvin, Haugen, Stein. (2020). Risk Assessment: Theory, Methods, and Applications. John Wiley and Sons.

Risks, E. C. (2017). Retrieved from https://www.ncua.gov/regulation-supervision/letters-credit-unions-other-guidance/evaluating-current-risks-credit-unions

Sathye, M. (2020). The impact of Internet banking on performance and risk profile. Retrieved from citeseerx.ist.psu.edu: http://citeseerx.ist.psu.edu/viewdoc/download?doi=10.1.1.199.2112&rep=rep1&type=pdf

Thevault. exchange. (2013). Standard Bank Plc . Retrieved from thevault.exchange: https://thevault.exchange/?get_group_doc=18/1424195218-SB-Plc-AR-13.pdf