A.The provision of fee based services to its customers.

B.Complex derivative trades based on volatility indices.

C.Lending to consumers and small businesses.

D.Deposit taking activities which generated net interest income.

A.only possess the required skills and/or certification to complete the risk assessment / management work at hand

B.only improve their PERSONAL professional competence

C.maintains and improve their professional competence and strive to maintain and improve the competence of other risk professionals

D.learn from a qualified risk management practitioner

A.Volume growth at the expense of margin

B.Over exposure to the property market

C.Excessive reliance on volatile and sophisticated derivatives

D.A failure to try to protect their clients' interests

A.Volume growth at the expense of margin.

B.Excessive reliance on volatile trading income.

C.Banking is a "for-profit" business, not a means of fulfilling political goals.

D.A company culture where profits may justify "excesses."

A.All of the Above

B.Operational and Regulatory Compliance Risk

C.Market Risk

D.Credit Risk