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      "text": "Design and robustness of strategies, policies, processes and systems in place in identifying risks inherent within the business.\nStresses are appropriate to the risk exposures and the economic environment in which the business operates.\nDesign and support on management actions to be taken during stress.\nDesign and robustness of the risk appetite statement with support on identifying the appropriate metrics to be monitored.\nSupport on review of the underwriting standards, collection process to identify gaps and recommend improvements.",
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      "text": "Stress testing: Overly optimistic about the potential impact of a stress scenario on their business; Poor understanding of the stress drivers, assumptions and sensitivity to those assumptions; Poorly defined management actions lacking clear trigger points.\nAsset Quality Reviews: High level Risk appetite statements without granular metrics; Untested collections capability; Weak underwriting standards for commercial loans.\nFunding and lending analysis: Lack of funding diversity (retail short term) with little reliance on wholesale funding.",
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      "text": "ICAAP stress testing, based on the Bank of England's published 2018 stress scenario.\nAsset quality reviews.\nFunding and lending analysis.",
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      "text": "The PRA acknowledged the importance of the role played by FGFs in the economy and the overall resilience of the sector as a whole while identifying key areas of weakness as shown below. Further to the FGF, some of the participant firms have also received individual letters from the PRA highlighting the weakness observed in their processes during the review.",
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      "text": "Further regulation – Capital and liquidity (3/10)",
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