| Average | DTI | Insurance | |
|---|---|---|---|
| Risk management/operational risk | 12% | 9% | 17% |
| Consumer debt/lending risk | 10% | 19% | - |
| Capital-related risks | 9% | 9% | 10% |
| Cyber/IT security risks | 9% | 11% | 7% |
| Liquidity/asset risks | 9% | 15% | 2% |
| Risk of not being able to compete | 8% | 9% | 7% |
| Risk strategies/rules appropriate to size of institution | 8% | 15% | - |
| Environmental risks (earthquake, climate change, floods etc.) | 7% | - | 14% |
| Solvency risk/compliance | 7% | 2% | 12% |
| Interest rate-related risk | 6% | 2% | 10% |
| Mortgage-related risk | 6% | 11% | - |
| Regulatory burden | 3% | - | 7% |
| Governance | 2% | 2% | 2% |
| Other mentions | 24% | 21% | 26% |