QUESTION 4 (20 Marks) Using an organisation of your choice, discuss the concept of sustainability and the various aspects of a properly implemented ethics management process.

QUESTION 5 (20 Marks) You have been recently appointed by Time Bank to be part of the risk management team. You have been tasked to assess the financial risks for the bank. Elaborating on the concept, identify and discuss the six (6) types of financial risks that needs to be taken into consideration. Make use of appropriate examples to demonstrate understanding.