Different companies have different risk exposures, and their risk management approach is customized to the type of risk the company is exposed to. consider the case of Trident Bank & Trust Trident Bank & Trust (TBaT) i's a large financial institution whose deposits and loans are received and made across seven states in the western United States, with deposits in excess of $1.5 billion, 1,258 branch offices, and 1,769 kiosks in shopping malls and grocery stores in the United States, along with correspondent and operational relationships with all the top-20 Asian and European banks, ???? is considered to be one of the strongest financial instibutions in the western United States Ralph Thomas, TEST's chief risk officer (cRO), has the responsibility of preparing and overseeing TBaTs risk management strategy and monitoring its implementation. In preparing for his presentation and question-and-answer session during the company's annual shareholders meeting, his staff?sembled the statements that appear in the following table, Help Mr. Thomas prepare for the meeting by indicating whether each of the following statements is true or false. True i False 0 State 0 TBAT's branch offices, kiosks, and vehicles are exposed to physical and liability risks. One - method that imanages these nsks is to purchase cormmercial insurance policies One of the biggest sources of risk for ???? results from changes in market interest rates. These rabe changes can cause the bank' mature or change in value at aifferent times and amcunts compared to its deposits and other borrowed funds, which are its liablities These ensuing changes can cause the value of the 0 0 s loans and security portalio, which ane its assets, to benk's eauilty to decrease, thereby reducing the bank's financial soundness and share arice. TEAT's foreign exchange exposune, resuting from ts cornespondent and aperational relationships with its Asen and turopesn benking partners, cannot be managed by using swaps or dervatives contracts one potential source of risk facing TET Comas from the standards that the benk npplies inOO determinig wha qualifies for e TEAT Ioan and the ongoing cred tworthiness of its borrowers