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β Due DiligenceRisks
1. Policy Risk: St.Galler Kantonalbank is subject to government policy and regulatory changes that could limit its ability to conduct business as usual.
2. Interest Rate Risk: The bank faces interest rate risk due to its ability to lend at floating rates, and a rise in general interest rates can negatively impact its margins and profits.
3. Credit Risk: St.Galler Kantonalbank is exposed to credit risk due to its substantial banking activities and loan portfolio. Any defaults or increasing credit losses could cause significant losses to the bank.
4. Systemic Risk: Economic and geopolitical events could lead to systemic risks such as market liquidity events, a fall in the Swiss Franc, or increased volatility in the global financial markets.
5. Reputational Risk: St.Galler Kantonalbank is exposed to the risk of harm to its reputation due to negative publicity, allegations of fraudulent activities, or other issues that could affect its business operations.