Business Risk Franchise Risk Funding Risk Human Resources Operational Risk Business Continuity Business Execution Employment Practices External Fraud Internal Fraud IT Risk Legal Risk Model Risk Data Quality Data Accuracy Data Completeness Data Consistency Intrinsic Model Risk Model Embedding Risks Physical Damage Revenue Risk Contractual Risks Credit Risk Country Risk Credit Portfolio Management Credit Risk Modelling Credit Curve Credit Rating System Credit Rating Model Financial Ratio Transition Matrix Credit Scoring Credit Scoring Models LGD Models Portfolio Risk Models Credit Network NPL NPL Accounting NPL Investment NPL Risk Management NPL Valuation Retail Credit Risk SME Credit Risk Human Resources Risk Insurance Interest Rate Risk Market Risk Liquidity Risk Optionality Risk Pension Risk Third Party Risk Outsourcing Risk