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5. The head of the division is also concerned about the technology and operational risks of Unibank and asks you to provide him with the

5. The head of the division is also concerned about the technology and operational risks of Unibank and asks you to provide him with the following information:

What action has the Bank for International Settlement (BIS) taken to protect depository institutions from insolvency due to operational risk? (6 marks)

Compare the effects of technology on Unibanks wholesale operations with the effects of technology on its retail operations. Give some specific examples. (4 marks)

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