Internal risks can emanate from a number of different sources. Provide an example for each of the following internal risks for The China Construction Bank, which in 2005 became the first major bank in China to issue an initial public offering (IPO): Use Figure 6-6 to help you in completing this problem.

a. Managerial Risk

b. Ethics Risk

c. Regulatory Risk

d. Technology Risk

e. Financial Planning Risk

f. Human Resource Risk 

g. Operational Risk 

h. Information Risk

Figure 6-6

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Managerial Risk Lines of authority Performance incentives Institutional constraints Competence Operational Risk Quality of products Cost of processes Cycle time Efficiency People Risks Ethics Risk Management fraud Employee theft Illegal acts Unethical behavior Unauthorized actions Capacity usage Repairs and maintenance Resource utilization and wastage Process failure Process interruption Direct Process Risks Human Resource Risk Competence Performance incentives Hiring and retention Training and development Required skills Information Risk Reliability of information Quality of performance measurement Timeliness of information Relevance Completeness Dissemination and reporting Indirect Process Risks Technology Risk Planning Risk Regulatory Risk Labor laws System reliability System adequacy System security Process efficiency System changes Budgeting and planning Incentives Adequacy of resources Performance measurement Tax laws Environmental laws Health and safety regulations Product licensing