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ERM [18]

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Bullet points include: Risks based on the firm’s business model and its assets and liabilities within a perspective of, say, 3 – 5 years, or that might emerge during this planning horizon e.g.: Risks included in SCR Insufficient capital for business needs Loss of staff, utilisation of employees with wrong/low competencies Poorly functioning systems, lack of control systems Reputational risks Risks arising from joint and several liability (e.g. via relationships with others) or off balance sheet guarantees Including risk that risk assessment ability might be inadequate

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