Risk appetite / Risk team structure [15]

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Bullet points include: Regulators often highlight that extra capital is not the only or at times best way to mitigate risk Some risks are unquantifiable Improved disciplines, governance frameworks etc. may be more important for some types of risk Over focus on capital may create wrong incentives, need for management disciplines Ultimately, a profitable and well-run business may be more robust than one that is merely currently well capitalised

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