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【正文】 nts from foreign borrowers may be interrupted because of interference from foreign governments ? When a foreign country is unwilling or unable to repay a loan, the FI has little recourse ? The leverage available to ensure or increase repayment probabilities is control over the future supply of loans or funds to the country concerned 1920 Technology and Operational Risk ? Technology risk the risk incurred by an FI when its technological investments do not produce anticipated cost savings ? Operational risk the risk that existing technology or support systems may malfunction or break down ? Major objective of technological expansion is to increase economies of scale and scope 1921 Insolvency Risk ? Insolvency risk the risk that an FI may not have enough capital to offset a sudden decline in the value of its assets relative to its liabilities ? A consequence or an oute of one or more of these risks: interest rate, market, credit, OBS, technological, foreign exchange, sovereign, and liquidity ? Occurs when the capital or equity resources of an FI’s owners are driven to, or near to, zero ? The lower an FI’s leverage, the better able it is to withstand losses due to risk exposures 1922 Interaction Among Risks ? These risks are all interdependent ? Various other risks, often more discrete or eventtype, impact an FI’s profitability and risk exposure – sudden changes in taxation – changes in regulatory policy – sudden and unexpected changes in financial market conditions due to war, revolution, or market collapse – theft, malfeasance, and breach of fiduciary trust – increased inflation, inflation volatility, and unemployment
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