Bedvast Bank Limited $($Bedvast$)$ is a Johannesburg Stock Exchange$-$listed leading second$-$tier South African bank that offers its customers the latest innovative solutions in forex, fleet, business, and personal financial solutions, products, and tools. Bedvast operates in four of the Southern African Development Community $($SADC$)$ states and reports in South African rands. Two of these four SADC states have been experiencing political instability over the last few years. Despite these challenges and the persistent slow economic growth rates, the bank has experienced commendable growth in interestand fee and commission income. The banking industry has seen an increase in cyber$-$related crimes. There are reported rumours within the South African media about the bank$$s involvement in the manipulation of the foreign exchange rates, involving the South African rand. Bedvast operated for $300$ days and has a $30$th of June financial year$-$end. The following financial statements of Bedvast are provided to you:

a$.$ Identify and motivate the pricing strategy that Bedvast can utilise to set prices for its various products and services within the SADC states.

b$.$ Identify and briefly discuss six types of risks that Bedvast is exposed to which are eminent from the given scenario.