Market Risk Factors include many items. Which of the following isn't a risk to specific companies. Commodity prices Government regulations Interest rates Financial Condition of its nearest competitor Summary Balance Sheet for DSM Bank at end of 2017 (5 millions) Assets Cash Marketable Securities Loans Fixed Assets Total 5 10 80 5 Liabilities & Net Worth Deposits 90 Subordinated long term debt 5 Equity Capital 5 100 Total 100 Summary Income Statement for DSM Bank at end of 2017 (5 millions) Net interest income Loan Losses Noninterest income Noninterest expense Pre-tax operating income 3.00 (0.80) 90 (2.50) 260 DSM Bank is a Canadian full service bank. Credit Risk will affect Cash and marketable securities cash and fixed assets marketable securities and loans marketable securities and fixed assets