At the same time, some initial results from  3  The data are derived from the Current Population Survey, March and Annual Social and Economic Supplement, 1971-2006, published by the U.S. Department of Commerce.
Risk management may provide the technical on- and off-book expertise but this has to be complemented by a strong and unwavering culture of corporate governance. To different entities corporate governance can mean several things; but for banks it may simply boil down to mitigating conflicts of interest.