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  "documentTitle": "ey iif bank risk management survey",
  "authorId": "MorganStanley",
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  "notes": "Includes a bar chart showing top financial risks for the next 12 months.",
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      "text": "This year, there were no financial risks in the top 10 CRO priorities.",
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      "text": "Figure 7: What are the top financial risks that concern your organization over the next 12 months?",
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      "text": "Top financial risks: 33%",
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      "text": "Though financial risks remain large and material, our results suggest increasing confidence on the part of CROs in the tools and capabilities they have to manage and mitigate these risks. Further, because banks are in the business of taking on financial risk, management of these risks has long been a core competency. This year, there were no financial risks in the top 10 CRO priorities. The sense that these risks are largely under control is no doubt a function of the major risk management investments banks have made during the last decade as much as it is closer regulatory scrutiny. But another eventful year in capital markets and the financial services sector provided ample reminders of the need for vigilance.",
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      "kind": "paragraph",
      "text": "Persistent macroeconomic uncertainty due to the prospect of further interest rate changes and the possibility of escalating trade tensions form the backdrop against which CROs are evaluating their financial risks. The growth of private credit and the transmission channels between the banking system and non-bank financial institutions are other variables shaping the outlook for banking, and another area for CROs to monitor, for both competitive implications and impacts on systemic risk.",
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      "kind": "title",
      "text": "CHAPTER 3\nFINANCIAL RISK OUTLOOK",
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