Graph 7  Distribution of Household Debt* By income quintile, 2019/20 %  Share of total debt owed  ratio  Median debt-to-income  45  1.5  30  1.0  15  0.5  0  1  2  3  4  5  1  2  3  4  5  0.0  Income quintile *  Only includes households with debt.
As you know, operations risk arises from inadequate or failed internal processes, people or systems or from external events. Operations risk has always been a part of banking but it has become a greater threat to the safety of financial institutions in the contemporary financial environment.