A

1

**Macroeconomic and Credit Portfolio Risks:**

The bank is susceptible to macroeconomic vulnerabilities, including inflation, interest rates, and exchange rate fluctuations

Economic downturns may impact borrower repayment capacity, leading to credit portfolio risks and affecting asset quality.

B

2

**Regulatory Compliance and Operational Resilience:**

Stringent regulatory requirements and changes in the regulatory environment pose compliance challenges

Non-compliance may result in financial penalties, reputational damage, and operational disruptions

Operational risks, including cyber threats and disruptions, add complexity.

C

3

**Technological and Market Risks:**

The bank's leadership in digital innovation exposes it to technological threats, such as cyberattacks and technology failures

Additionally, exposure to market risks, including interest rate and foreign exchange fluctuations, may impact financial performance.

D

4

**Global Economic and Liquidity Risks:**

The bank's international operations expose it to global economic trends, geopolitical events, and currency risks

Unforeseen global economic downturns or geopolitical tensions may impact overseas performance

Managing liquidity and funding sources is crucial to mitigate liquidity risks.

E

5

**Regulatory Changes and Pandemic-Related Risks:**

Changes in banking regulations, capital adequacy requirements, or tax laws may impact operations and profitability

Adapting to evolving health crises, including pandemic-related risks, is essential for continuity

Monitoring and addressing these five main risks are crucial for the bank's sustained success.