What are the risks faced by commercial banks?
Commercial banks manage a complex array of systemic and operational risks that can threaten institutional solvency and profitability. Primary financial hazards include credit risk from borrower defaults, interest rate risk when asset and liability maturities mismatch, and liquidity risk if depositors initiate sudden runs. Additional threats encompass market volatility impacting trading portfolios, stringent regulatory compliance mandates, cyber security vulnerabilities, and macroeconomic recessions that trigger widespread loan loss provisions.
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