4. The supervisory review process of the Framework is intended not only to ensure that banks have adequate capital to support all the risks in their business, but also to encourage banks to develop and use better risk management techniques in monitoring and managing their risks. (BIS Part 3: The Second Pillar Supervisory Review Process). With reference to the this statement explain the four key principles of supervisory review . 5. A successful ERM process would ensure that risk taken by the bank is compensated by a commensurate level of reward and the bank is completely aware of the amount of risk that it wants to take on." Discuss the importance of Enterprise Risk Management in strategic planning