Country and regional information on Business Risks 2014. A magyar nyelvű összefoglalót itt olvashatja: https://www.allianz.hu/www/hu/kockazati_barometer_2014.html
Executive Summary on Leadership in Risk Management WebinarFERMA
This document summarizes a webinar on leading risk culture change. The webinar discusses how enterprise risk management (ERM) requires buy-in from senior leadership to change company culture and attitudes around risk. For ERM to be effective, the entire C-suite must endorse risk awareness and accountability at all levels of the organization. Senior leaders also need to gain an understanding of individual and organizational attitudes towards risk in order to build consensus around risk management strategy. Leading companies view ERM not just as a compliance issue but as a strategic tool to improve decision making and drive profitability.
The fourth of its kind since 2007, this biennial survey helps companies stay abreast of emerging issues and learn what their peers are doing to manage risks and capture opportunities
This survey covers the following topics:
Top risk concerns facing companies today and in the future
How companies identify and assess risk
Approach to risk management and board involvement
Risk management functions
Insurance markets
Risk financing
Global programs
Captives
This document summarizes the state of trucking risks and safety technologies. It finds that truck accidents have increased significantly since 2010, with rear-end collisions being especially costly. Insurance markets are struggling due to rising legal costs, and the trucking workforce is aging. However, safety technologies like collision warning and video monitoring can prevent many accidents, with estimated savings of hundreds of millions to billions of dollars annually. Implementing integrated safety systems could reduce crash injuries by nearly half. High-performing carriers that address hidden risks are better positioned for the future insurance environment.
Developing a contingency plan and avoiding disruptions from a security breach involves the following steps:
1. Conduct a threat assessment to identify potential risks to the supply chain from security breaches.
2. Identify core business functions and conduct a business impact analysis to understand how disruptions could affect the business.
3. Apply prevention and mitigation measures by researching best practices, utilizing standards for business continuity and supply chain security, implementing supplier oversight and cargo controls, and vetting the supplier base.
4. Implement tests of the contingency plan and maintain the plan to ensure it remains effective over time.
The British Board of Film Classification (BBFC) is an independent non-governmental organization that has been classifying films in the UK since 1912 and videos/DVDs since 1984 according to their guidelines. The BBFC regularly reviews public opinion through research to ensure their classification standards meet public expectations of what is acceptable for each age group. Films submitted for cinema release are typically rated by two examiners using the published guidelines, while DVDs are usually rated by one examiner. The BBFC operates on principles of protecting children from harmful content and empowering consumers to make informed viewing decisions.
This document compares the album covers and styles of One Direction and The Wanted to an artist's upcoming album. It notes that both groups target teenage female audiences and use bright, happy colors and clothing styles similar to what the artist plans to wear. The document suggests taking inspiration from One Direction and The Wanted's use of color and inviting looks to appeal to a wide audience rather than coming across as aggressive or niche.
Richard Dyer argues that stars are constructed images meant to appeal to audiences and generate revenue, not real people. Stars are commodities produced with traits like youthfulness, rebelliousness, and anti-authoritarian attitudes in order to conspire consumption and be constantly worked on and changed to stay relevant as brands over time.
Executive Summary on Leadership in Risk Management WebinarFERMA
This document summarizes a webinar on leading risk culture change. The webinar discusses how enterprise risk management (ERM) requires buy-in from senior leadership to change company culture and attitudes around risk. For ERM to be effective, the entire C-suite must endorse risk awareness and accountability at all levels of the organization. Senior leaders also need to gain an understanding of individual and organizational attitudes towards risk in order to build consensus around risk management strategy. Leading companies view ERM not just as a compliance issue but as a strategic tool to improve decision making and drive profitability.
The fourth of its kind since 2007, this biennial survey helps companies stay abreast of emerging issues and learn what their peers are doing to manage risks and capture opportunities
This survey covers the following topics:
Top risk concerns facing companies today and in the future
How companies identify and assess risk
Approach to risk management and board involvement
Risk management functions
Insurance markets
Risk financing
Global programs
Captives
This document summarizes the state of trucking risks and safety technologies. It finds that truck accidents have increased significantly since 2010, with rear-end collisions being especially costly. Insurance markets are struggling due to rising legal costs, and the trucking workforce is aging. However, safety technologies like collision warning and video monitoring can prevent many accidents, with estimated savings of hundreds of millions to billions of dollars annually. Implementing integrated safety systems could reduce crash injuries by nearly half. High-performing carriers that address hidden risks are better positioned for the future insurance environment.
Developing a contingency plan and avoiding disruptions from a security breach involves the following steps:
1. Conduct a threat assessment to identify potential risks to the supply chain from security breaches.
2. Identify core business functions and conduct a business impact analysis to understand how disruptions could affect the business.
3. Apply prevention and mitigation measures by researching best practices, utilizing standards for business continuity and supply chain security, implementing supplier oversight and cargo controls, and vetting the supplier base.
4. Implement tests of the contingency plan and maintain the plan to ensure it remains effective over time.
The British Board of Film Classification (BBFC) is an independent non-governmental organization that has been classifying films in the UK since 1912 and videos/DVDs since 1984 according to their guidelines. The BBFC regularly reviews public opinion through research to ensure their classification standards meet public expectations of what is acceptable for each age group. Films submitted for cinema release are typically rated by two examiners using the published guidelines, while DVDs are usually rated by one examiner. The BBFC operates on principles of protecting children from harmful content and empowering consumers to make informed viewing decisions.
This document compares the album covers and styles of One Direction and The Wanted to an artist's upcoming album. It notes that both groups target teenage female audiences and use bright, happy colors and clothing styles similar to what the artist plans to wear. The document suggests taking inspiration from One Direction and The Wanted's use of color and inviting looks to appeal to a wide audience rather than coming across as aggressive or niche.
Richard Dyer argues that stars are constructed images meant to appeal to audiences and generate revenue, not real people. Stars are commodities produced with traits like youthfulness, rebelliousness, and anti-authoritarian attitudes in order to conspire consumption and be constantly worked on and changed to stay relevant as brands over time.
The document discusses how the media product represents different social groups through its portrayal of gender, location, and the attacker. For gender, the protagonist subverts stereotypes as a teenage male who is murdered rather than the aggressor. Multiple locations are used to build tension and realism, showing the protagonist comes from a well-off background while the abandoned building where he is killed depicts an unsafe area. Little is shown of the attacker besides shadows during the attack, but clues from the film and book title hint the attacker is likely the protagonist's brother.
Ideas Unlimited strives to provide cost effective services to meet all of our clients business needs. We offer 24/7 customer support, call center support, backend admin support, virtual business support and many other services.
L'analisi del ciclo di vita di un prodotto è uno strumento importante per le imprese. Questa permette di valutare prodotti già esistenti o nuovi prodotti in fase di sviluppo dal punto di vista ambientale, ma non solo.
Nel mio lavoro di tesi ho eseguito questo tipo di analisi sui mattoni in terra cruda, materiale che sta tornando alla ribalta nel settore edilizio.
La presentazione descrive brevemente ed a grandi linee il lavoro svolto e le conclusioni a cui si è arrivati.
La presentazione è stata utilizzata durante la discussione della tesi di laurea, il 19 dicembre 2013
Σε αυτήν την παρουσίαση θα προσεγγίσουμε θέματα γύρω από τη διαδικασία που βιώνουν τα παιδιά - και οι γονείς - σχετικά με την προετοιμασία τους για τις πανελλαδικές εξετάσεις και κυρίως σχετικά με τα εξής:
i) Το άγχος που κινητοποιεί σε γονείς και παιδιά μια τέτοια απαιτητική διαδικασία και τη διαχείρισή του.
ii) Τις στάσεις και συμπεριφορές που μπορούν να υιοθετήσουν οι γονείς για μια εποικοδομητική και υποστηρικτική συνεισφορά στην προσπάθεια των παιδιών τους.
iii) Ζητήματα που ενδεχομένως αυξάνουν το άγχος τόσο των γονέων όσο και των παιδιών και ενίοτε προκαλούν τριβές μεταξύ τους όπως η διαχείριση του χρόνου, ο τρόπος και ο χρόνος μελέτης, οι διαπροσωπικές σχέσεις των παιδιών και οι ενδοοικογενειακές σχέσεις.
Η παρουσίαση απευθύνεται σε γονείς μαθητών της α΄, β΄ και γ΄ λυκείου.
Τα χαρακτηριστικά της καλής επικοινωνίας, οι κατάλληλοι τρόποι για μια γνήσια και ειλικρινή έκφραση συναισθημάτων,σκέψεων και επιθυμιών με τρόπο που δεν οδηγεί σε λογομαχία, η ενσυναίσθηση και η μεθεκτική ακρόαση είναι μερικά από τα κύρια σημεία που θα θιχτούν σε αυτή την παρουσίαση.
Jerson introduces himself and his interest in playing and making music. He provides details about his education at Full Sail University in music business and experience as a freelance musician. Jerson expresses his interest in a career in A&R and believes his musical skills and experience will be an advantage in helping artists. He provides his contact information and asks others to connect with him.
The top 3 global business risks in 2016 according to the Allianz Risk Barometer survey of over 800 risk managers are:
1. Business interruption (incl. supply chain disruption)
2. Market developments (volatility, intensified competition, market stagnation)
3. Cyber incidents (cyber crime, data breaches, IT failures)
Business interruption has been the top risk for four consecutive years. However, businesses appear less concerned about traditional risks like natural catastrophes and fire compared to previous years. Operational issues like intensified competition and increasing digitalization are placing more pressure on markets and challenging business models. Cyber incidents saw a significant increase in concern and is also viewed as the top future
Aon Retail & Wholesale Inperspective Nov 2016Graeme Cross
A rapidly shifting social, business, political and economic environment is placing UK retailers on continuous watch as they adapt and react to new threats and challenges.
Historic risk management norms like crime and security are giving way to external threats in the registers of modern companies; but many of these are intangible such as protecting brand equity and are often considered very hard to measure or mitigate.
Meanwhile the increasing influence of technology affects almost every corner of the industry from distribution and the way shoppers interact with a brand; to the supply chain and its continuing search for peak efficiency.
As a result, technology, rather than store networks or stock, is becoming one of the single greatest assets and vulnerabilities identified by the industry’s risk management community.
Every year, the Allianz Risk Barometer identifies the most important corporate perils for the next 12 months and beyond, based on the insight of more than 2,700 risk management experts from 92 countries and territories. What are the top business risks for 2021?
Retail & Wholesale Global Risk Management Survey 2015Graeme Cross
This document is a benchmark report for the retail trade/wholesale trade industry grouping from a global risk management survey. It provides data on 126 respondents from this industry. The data includes information on the respondents' regions, company types, employee counts, revenues, number of countries operated in, and roles of individuals providing the survey answers. It also identifies the top ten risks for these organizations currently and perceived in three years. For each of the top ten risks, it indicates what percentage of organizations have plans or formal reviews in place to address them and what percentage resulted in losses over the past 12 months.
Ninth Annual Cost of Cybercrime Study in Financial Services – 2019 Reportaccenture
This new Accenture Security document reports on how the cost of cybercrime continues to increase for financial services companies and explores how enhanced cybersecurity can unlock substantial new financial value for their organizations
FORUM 2013 Cyber Risks - not just a domain for ITFERMA
This document summarizes cyber risks and insurance responses. It discusses evolving cyber threats facing European companies and how cyber risks are not just an IT issue. Key points include: most clients are extremely concerned about cyber attacks; the top causes of data breaches are hacking and stolen credentials; and cyber insurance claim volumes have risen significantly in recent years. The document also outlines how cyber insurance can help respond to incidents by providing services like breach coaching, legal defense, forensic investigations, and crisis management. Finally, it discusses challenges with relying solely on traditional insurance policies to address cyber risks and the need for specialized cyber insurance products and risk mitigation strategies.
This document discusses developing contingency plans to avoid supply chain disruptions from security breaches. It identifies typical supply chain risks such as natural disasters, cyber attacks, cargo theft, and geopolitical instability. The document examines causes of past disruptions and outlines strategies to mitigate risks like conducting threat assessments, identifying core business functions, analyzing impacts, and implementing prevention measures. Developing contingency plans can help companies effectively protect their supply chains and realize benefits like decreased losses, improved continuity, and competitive advantages over rivals.
Value Engineering. Measuring and managing risks in the wind energy industryStavros Thomas
As wind turbines number increased around the world, the number of hazardous accidents is also rising, causing critics to question overall safety. A recent study from Anemorphosis Research Group reveals how wind power professionals manage risk, from current areas of concern to anticipated challenges.
Aon is a global risk services broker with 66,000 employees in 500 offices across 120 countries. In South Africa, Aon has 1,500 employees across 17 offices. The document discusses Aon's exclusive passenger transport insurance scheme for SABOA members, providing benefits like personal accident coverage, crisis accident management, and RoadCover assistance to manage RAF claims. It also reviews the state of the South African insurance market, noting issues like load shedding claims, new privacy legislation, and increasing cyber liability risks. The presentation encourages obtaining a new quote from a licensed broker to ensure insurance coverage is tailored to an organization's specific needs.
Cost of Cybercrime Study in Financial Services: 2019 Reportaccenture
Now in its 9th year, this new Accenture presentation explores the impact associated with cybercrime, quantifying the cost of cyberattacks and analyzing trends in malicious activities in the financial services industry. And this year for the first time, we look to the future so that financial services organizations can better target their funds and resources and open up new revenue opportunities to unlock economic value.
CAT Risk Management & Modelling London Brochure 2016Trina Minjoot
This document provides an agenda for the CAT Risk Management & Modelling London 2016 conference. The two-day conference will bring together re/insurance professionals, brokers, actuaries, modellers and other stakeholders to discuss advances in catastrophe risk modelling and management. Day one will include sessions on CAT modelling fundamentals, a US wind model comparison, and discussions on adopting multiple modelling approaches. Day two focuses on topics like custom catastrophe models, flood modelling, and exploring how advances in CAT modelling impact underwriting and pricing. The conference aims to facilitate collaboration on improving CAT risk analysis and response.
The document discusses how the media product represents different social groups through its portrayal of gender, location, and the attacker. For gender, the protagonist subverts stereotypes as a teenage male who is murdered rather than the aggressor. Multiple locations are used to build tension and realism, showing the protagonist comes from a well-off background while the abandoned building where he is killed depicts an unsafe area. Little is shown of the attacker besides shadows during the attack, but clues from the film and book title hint the attacker is likely the protagonist's brother.
Ideas Unlimited strives to provide cost effective services to meet all of our clients business needs. We offer 24/7 customer support, call center support, backend admin support, virtual business support and many other services.
L'analisi del ciclo di vita di un prodotto è uno strumento importante per le imprese. Questa permette di valutare prodotti già esistenti o nuovi prodotti in fase di sviluppo dal punto di vista ambientale, ma non solo.
Nel mio lavoro di tesi ho eseguito questo tipo di analisi sui mattoni in terra cruda, materiale che sta tornando alla ribalta nel settore edilizio.
La presentazione descrive brevemente ed a grandi linee il lavoro svolto e le conclusioni a cui si è arrivati.
La presentazione è stata utilizzata durante la discussione della tesi di laurea, il 19 dicembre 2013
Σε αυτήν την παρουσίαση θα προσεγγίσουμε θέματα γύρω από τη διαδικασία που βιώνουν τα παιδιά - και οι γονείς - σχετικά με την προετοιμασία τους για τις πανελλαδικές εξετάσεις και κυρίως σχετικά με τα εξής:
i) Το άγχος που κινητοποιεί σε γονείς και παιδιά μια τέτοια απαιτητική διαδικασία και τη διαχείρισή του.
ii) Τις στάσεις και συμπεριφορές που μπορούν να υιοθετήσουν οι γονείς για μια εποικοδομητική και υποστηρικτική συνεισφορά στην προσπάθεια των παιδιών τους.
iii) Ζητήματα που ενδεχομένως αυξάνουν το άγχος τόσο των γονέων όσο και των παιδιών και ενίοτε προκαλούν τριβές μεταξύ τους όπως η διαχείριση του χρόνου, ο τρόπος και ο χρόνος μελέτης, οι διαπροσωπικές σχέσεις των παιδιών και οι ενδοοικογενειακές σχέσεις.
Η παρουσίαση απευθύνεται σε γονείς μαθητών της α΄, β΄ και γ΄ λυκείου.
Τα χαρακτηριστικά της καλής επικοινωνίας, οι κατάλληλοι τρόποι για μια γνήσια και ειλικρινή έκφραση συναισθημάτων,σκέψεων και επιθυμιών με τρόπο που δεν οδηγεί σε λογομαχία, η ενσυναίσθηση και η μεθεκτική ακρόαση είναι μερικά από τα κύρια σημεία που θα θιχτούν σε αυτή την παρουσίαση.
Jerson introduces himself and his interest in playing and making music. He provides details about his education at Full Sail University in music business and experience as a freelance musician. Jerson expresses his interest in a career in A&R and believes his musical skills and experience will be an advantage in helping artists. He provides his contact information and asks others to connect with him.
The top 3 global business risks in 2016 according to the Allianz Risk Barometer survey of over 800 risk managers are:
1. Business interruption (incl. supply chain disruption)
2. Market developments (volatility, intensified competition, market stagnation)
3. Cyber incidents (cyber crime, data breaches, IT failures)
Business interruption has been the top risk for four consecutive years. However, businesses appear less concerned about traditional risks like natural catastrophes and fire compared to previous years. Operational issues like intensified competition and increasing digitalization are placing more pressure on markets and challenging business models. Cyber incidents saw a significant increase in concern and is also viewed as the top future
Aon Retail & Wholesale Inperspective Nov 2016Graeme Cross
A rapidly shifting social, business, political and economic environment is placing UK retailers on continuous watch as they adapt and react to new threats and challenges.
Historic risk management norms like crime and security are giving way to external threats in the registers of modern companies; but many of these are intangible such as protecting brand equity and are often considered very hard to measure or mitigate.
Meanwhile the increasing influence of technology affects almost every corner of the industry from distribution and the way shoppers interact with a brand; to the supply chain and its continuing search for peak efficiency.
As a result, technology, rather than store networks or stock, is becoming one of the single greatest assets and vulnerabilities identified by the industry’s risk management community.
Every year, the Allianz Risk Barometer identifies the most important corporate perils for the next 12 months and beyond, based on the insight of more than 2,700 risk management experts from 92 countries and territories. What are the top business risks for 2021?
Retail & Wholesale Global Risk Management Survey 2015Graeme Cross
This document is a benchmark report for the retail trade/wholesale trade industry grouping from a global risk management survey. It provides data on 126 respondents from this industry. The data includes information on the respondents' regions, company types, employee counts, revenues, number of countries operated in, and roles of individuals providing the survey answers. It also identifies the top ten risks for these organizations currently and perceived in three years. For each of the top ten risks, it indicates what percentage of organizations have plans or formal reviews in place to address them and what percentage resulted in losses over the past 12 months.
Ninth Annual Cost of Cybercrime Study in Financial Services – 2019 Reportaccenture
This new Accenture Security document reports on how the cost of cybercrime continues to increase for financial services companies and explores how enhanced cybersecurity can unlock substantial new financial value for their organizations
FORUM 2013 Cyber Risks - not just a domain for ITFERMA
This document summarizes cyber risks and insurance responses. It discusses evolving cyber threats facing European companies and how cyber risks are not just an IT issue. Key points include: most clients are extremely concerned about cyber attacks; the top causes of data breaches are hacking and stolen credentials; and cyber insurance claim volumes have risen significantly in recent years. The document also outlines how cyber insurance can help respond to incidents by providing services like breach coaching, legal defense, forensic investigations, and crisis management. Finally, it discusses challenges with relying solely on traditional insurance policies to address cyber risks and the need for specialized cyber insurance products and risk mitigation strategies.
This document discusses developing contingency plans to avoid supply chain disruptions from security breaches. It identifies typical supply chain risks such as natural disasters, cyber attacks, cargo theft, and geopolitical instability. The document examines causes of past disruptions and outlines strategies to mitigate risks like conducting threat assessments, identifying core business functions, analyzing impacts, and implementing prevention measures. Developing contingency plans can help companies effectively protect their supply chains and realize benefits like decreased losses, improved continuity, and competitive advantages over rivals.
Value Engineering. Measuring and managing risks in the wind energy industryStavros Thomas
As wind turbines number increased around the world, the number of hazardous accidents is also rising, causing critics to question overall safety. A recent study from Anemorphosis Research Group reveals how wind power professionals manage risk, from current areas of concern to anticipated challenges.
Aon is a global risk services broker with 66,000 employees in 500 offices across 120 countries. In South Africa, Aon has 1,500 employees across 17 offices. The document discusses Aon's exclusive passenger transport insurance scheme for SABOA members, providing benefits like personal accident coverage, crisis accident management, and RoadCover assistance to manage RAF claims. It also reviews the state of the South African insurance market, noting issues like load shedding claims, new privacy legislation, and increasing cyber liability risks. The presentation encourages obtaining a new quote from a licensed broker to ensure insurance coverage is tailored to an organization's specific needs.
Cost of Cybercrime Study in Financial Services: 2019 Reportaccenture
Now in its 9th year, this new Accenture presentation explores the impact associated with cybercrime, quantifying the cost of cyberattacks and analyzing trends in malicious activities in the financial services industry. And this year for the first time, we look to the future so that financial services organizations can better target their funds and resources and open up new revenue opportunities to unlock economic value.
CAT Risk Management & Modelling London Brochure 2016Trina Minjoot
This document provides an agenda for the CAT Risk Management & Modelling London 2016 conference. The two-day conference will bring together re/insurance professionals, brokers, actuaries, modellers and other stakeholders to discuss advances in catastrophe risk modelling and management. Day one will include sessions on CAT modelling fundamentals, a US wind model comparison, and discussions on adopting multiple modelling approaches. Day two focuses on topics like custom catastrophe models, flood modelling, and exploring how advances in CAT modelling impact underwriting and pricing. The conference aims to facilitate collaboration on improving CAT risk analysis and response.
An analysis of security trends in the Financial Services industry. 56% of attacks originate from IP addresses within the US but attackers could be anywhere in the world.
Presented to Procurement/Sourcing community for the purpose of deriving/justifying investment in Supply Chain Risk and Resiliency initiatives. Focused heavily on 3rd (third) party assessment and action. Provides cases, roadmap, tools & technologies for justifying investment and gaining value.
System shock analysis and complex network effectsKimmo Soramaki
Joint presentation with Michelle Tuveson and Dr Andrew Coburn from Cambridge Risk Center at the Conference Board Global Risk Conference in New York, 8 May 2013.
Links to conference website: http://www.conference-board.org/conferences/conferencedetail.cfm?conferenceid=2456
DDOS OCTOBER 2015 NEUSTAR DDOS ATTACKS & PROTECTION REPORT: NORTH AMERICA & E...CMR WORLD TECH
No Department Is Immune
COMPANIES FEEL THE STING IN CUSTOMER-FACING AREAS.
Once solely considered a security or IT problem, DDoS attacks now ripple through
every part of the business.
Top 3 Areas Affected by DDoS Attacks: NORTH AMERICA & EMEA
1. Customer Support (41%)
2. Brand Damage (35%)
3. Marketing/Online Promotional Spend (25%)
Emerging Risks
This document discusses emerging risks and the need for new approaches to anticipate and manage complexity. It summarizes a workshop on emerging risks with two parts: 1) Lloyd's City Risk Index which ranks 300 cities on their risk of 18 threats over 10 years, finding the highest risks are in developing cities. 2) A presentation on cyber threats explores a scenario of a cyber-attack causing a power blackout in the US and estimates its economic and insurance impacts across many lines of business. The document advocates exploring emerging risks through scenarios to better understand their complex interactions and macroeconomic consequences.
Palo Alto Networks is a cybersecurity company that offers an integrated enterprise security platform at a reasonable price compared to competitors like Symantec that offer multiple point products. Palo Alto has disrupted the industry with its application-based firewalls and new Traps technology that identifies cybercriminal toolkits instead of malware signatures. The company has experienced rapid growth, taking market share from Cisco, Checkpoint, and others. With continued innovation and competitive pricing, Palo Alto Networks is well positioned in the growing cybersecurity industry.
Organizations are struggling to manage increasing cyber risks and losses from cyber attacks. While financial costs are increasing, other changes may have a greater impact. Regulations are expanding who is responsible for cybersecurity and penalties for non-compliance are becoming more aggressive. Business models may also need to change as supply chains are impacted and new technologies are adopted. However, changes may not be happening quickly enough given the rapidly evolving threat landscape.
STREETONOMICS: Exploring the Uncharted Territories of Informal Markets throug...sameer shah
Delve into the world of STREETONOMICS, where a team of 7 enthusiasts embarks on a journey to understand unorganized markets. By engaging with a coffee street vendor and crafting questionnaires, this project uncovers valuable insights into consumer behavior and market dynamics in informal settings."
Optimizing Net Interest Margin (NIM) in the Financial Sector (With Examples).pdfshruti1menon2
NIM is calculated as the difference between interest income earned and interest expenses paid, divided by interest-earning assets.
Importance: NIM serves as a critical measure of a financial institution's profitability and operational efficiency. It reflects how effectively the institution is utilizing its interest-earning assets to generate income while managing interest costs.
New Visa Rules for Tourists and Students in Thailand | Amit Kakkar Easy VisaAmit Kakkar
Discover essential details about Thailand's recent visa policy changes, tailored for tourists and students. Amit Kakkar Easy Visa provides a comprehensive overview of new requirements, application processes, and tips to ensure a smooth transition for all travelers.
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Economic Risk Factor Update: June 2024 [SlideShare]Commonwealth
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
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Discover the Future of Dogecoin with Our Comprehensive Guidance36 Crypto
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
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Unlock Your Potential with NCVT MIS.pptxcosmo-soil
The NCVT MIS Certificate, issued by the National Council for Vocational Training (NCVT), is a crucial credential for skill development in India. Recognized nationwide, it verifies vocational training across diverse trades, enhancing employment prospects, standardizing training quality, and promoting self-employment. This certification is integral to India's growing labor force, fostering skill development and economic growth.
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.
1. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses
by region
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Top 10 business risks for North and South America
1 Business interruption, supply chain (e.g. machine breakdown)
56 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
53 %
3 Fire, explosion
26 %
4 Loss of reputation, brand value (e.g. from social media)
16 %
5 Changes in legislation and regulation
15 %
6 Market stagnation or decline
12 %
7 Theft, fraud, corruption
11 %
8 Cyber crime, IT failures, espionage
11 %
9 Talent shortage, aging workforce
9%
10 Intensified competition
9%
Top 10 business risks for Asia/Pacific
1 Business interruption, supply chain (e.g. machine breakdown)
46 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
30 %
3 Fire, explosion
25 %
4 Changes in legislation and regulation
22 %
5 Loss of reputation, brand value (e.g. from social media)
21 %
6 Cyber crime, IT failures, espionage
18 %
7 Commodity price increases
16 %
8 Market fluctuations (e.g. exchange or interest rates)
13 %
9 Intensified competition
12 %
10 Talent shortage, aging workforce
9%
Figures here represent a
percentage of all relevant
responses.
Responses for Europe: 396
(Europe also includes Middle
East and South Africa, however,
EU-origin responses strongly
dominate); North and South
America: 85; Asia/Pacific: 76.
Source: Allianz Global Corporate &
Specialty
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 1
2. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Australia
Top 10 business risks for Australia
1
Business interruption, supply chain (e.g. machine breakdown)
44 %
2
Changes in legislation and regulation
29 %
3
Loss of reputation, brand value (e.g. from social media)
24 %
4
Cyber crime, IT failures, espionage
22 %
5
Natural catastrophes (e.g. storm, flood, earthquake)
18 %
6
Market fluctuations (e.g. exchange or interest rates)
16 %
7
Commodity price increases
16 %
8
Intensified competition
13 %
9
Talent shortage, aging workforce
11 %
Credit availability
11 %
10
Figures represent a percentage of all relevant responses for Australia (45).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Asia/Pacific:
76; Australia: 45.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Asia/Pacific
1 Business interruption, supply chain (e.g. machine breakdown)
46 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
30 %
3 Fire, explosion
25 %
4 Changes in legislation and regulation
22 %
5 Loss of reputation, brand value (e.g. from social media)
21 %
6 Cyber crime, IT failures, espionage
18 %
7 Commodity price increases
16 %
8 Market fluctuations (e.g. exchange or interest rates)
13 %
9 Intensified competition
12 %
10 Talent shortage, aging workforce
9 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 2
3. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Austria
Top 10 business risks for Austria
1
Natural catastrophes (e.g. storm, flood, earthquake)
43 %
2
Business interruption, supply chain (e.g. machine breakdown)
36 %
3
Fire, explosion
29 %
4
Changes in legislation and regulation
21 %
5
Euro-zone breakdown
21 %
6
Cyber crime, IT failures, espionage
21 %
7
Theft, fraud, corruption
14 %
8
Deflation
14 %
9
Market stagnation or decline
14 %
10
Commodity price increases
7%
Figures represent a percentage of all relevant responses for Austria (14).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); Austria: 14.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 3
4. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Brazil
Top 10 business risks for Brazil
1
Business interruption, supply chain (e.g. machine breakdown)
50 %
2
Natural catastrophes (e.g. storm, flood, earthquake)
40 %
3
Fire, explosion
40 %
4
Theft, fraud, corruption
30 %
5
Talent shortage, aging workforce
20 %
6
Pollution
20 %
7
Changes in legislation and regulation
20 %
8
Market fluctuations (e.g. exchange or interest rates)
20 %
9
Credit availability
10 %
Market stagnation or decline
10 %
10
Figures represent a percentage of all relevant responses for Brazil (10).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for North and
South America: 85; Brazil: 10.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for North and South America
1 Business interruption, supply chain (e.g. machine breakdown)
56 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
53 %
3 Fire, explosion
26 %
4 Changes in legislation and regulation
16 %
5 Loss of reputation, brand value (e.g. from social media)
15 %
6 Cyber crime, IT failures, espionage
12 %
7 Commodity price increases
11 %
8 Market fluctuations (e.g. exchange or interest rates)
11 %
9 Intensified competition
10 Talent shortage, aging workforce
9%
9 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 4
5. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Canada
Top 10 business risks for Canada
1
Natural catastrophes (e.g. storm, flood, earthquake)
50 %
2
Business interruption, supply chain (e.g. machine breakdown)
42 %
3
Pollution
25 %
4
Changes in legislation and regulation
25 %
5
Loss of reputation, brand value (e.g. from social media)
25 %
6
Fire, explosion
25 %
7
Market stagnation or decline
17 %
8
Theft, fraud, corruption
8%
9
Market fluctuations (e.g. exchange or interest rates)
8%
Austerity programs
8%
10
Figures represent a percentage of all relevant responses for Canada (12).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for North and
South America: 85; Canada: 12.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for North and South America
1 Business interruption, supply chain (e.g. machine breakdown)
56 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
53 %
3 Fire, explosion
26 %
4 Changes in legislation and regulation
16 %
5 Loss of reputation, brand value (e.g. from social media)
15 %
6 Cyber crime, IT failures, espionage
12 %
7 Commodity price increases
11 %
8 Market fluctuations (e.g. exchange or interest rates)
11 %
9 Intensified competition
10 Talent shortage, aging workforce
9%
9 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 5
6. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
France
Top 10 business risks for France
1
Business interruption, supply chain (e.g. machine breakdown)
44 %
2
Natural catastrophes (e.g. storm, flood, earthquake)
37 %
3
Intensified competition
37 %
4
Quality deficiencies, serial defects
26 %
5
Changes in legislation and regulation
26 %
6
Market stagnation or decline
22 %
7
Technological innovation
19 %
8
Loss of reputation, brand value (e.g. from social media)
19 %
9
Austerity programs
11 %
10
Theft, fraud, corruption
7%
Figures represent a percentage of all relevant responses for France (27).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); France: 27.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 6
7. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Germany
Top 10 business risks for Germany
1
Business interruption, supply chain (e.g. machine breakdown)
52 %
2
Natural catastrophes (e.g. storm, flood, earthquake)
34 %
3
Changes in legislation and regulation
27 %
4
Loss of reputation, brand value (e.g. from social media)
20 %
5
Quality deficiencies, serial defects
18 %
6
Cyber crime, IT failures, espionage
18 %
7
Intensified competition
17 %
8
Market stagnation or decline
17 %
9
Technological innovation
13 %
Fire, explosion
13 %
10
Figures represent a percentage of all relevant responses for Germany (103).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); Germany: 103.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 7
8. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Hungary
Top 10 business risks for Hungary
1
Fire, explosion
41 %
2
Market stagnation or decline
33 %
3
Business interruption, supply chain (e.g. machine breakdown)
28 %
4
Theft, fraud, corruption
23 %
5
Changes in legislation and regulation
23 %
6
Natural catastrophes (e.g. storm, flood, earthquake)
21 %
7
Market fluctuations (e.g. exchange or interest rates)
13 %
8
Health issues, pandemics
10 %
9
Loss of reputation, brand value (e.g. from social media)
10 %
10
Terrorism
8%
Figures represent a percentage of all relevant responses for Hungary (39).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); Hungary: 39.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 8
9. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Italy
Top 10 business risks for Italy
1
Market stagnation or decline
56 %
2
Business interruption, supply chain (e.g. machine breakdown)
39 %
3
Loss of reputation, brand value (e.g. from social media)
33 %
4
Commodity price increases
28 %
5
Natural catastrophes (e.g. storm, flood, earthquake)
22 %
6
Cyber crime, IT failures, espionage
17 %
7
Quality deficiencies, serial defects
11 %
8
Euro-zone breakdown
11 %
9
Fire, explosion
11 %
Intensified competition
11 %
10
Figures represent a percentage of all relevant responses for Italy (18).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); Italy: 18.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 9
10. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in the
Netherlands
Top 10 business risks for the Netherlands
1
Business interruption, supply chain (e.g. machine breakdown)
40 %
2
Market stagnation or decline
33 %
3
Natural catastrophes (e.g. storm, flood, earthquake)
27 %
4
Fire, explosion
27 %
5
Power blackouts
20 %
6
Credit availability
20 %
7
Changes in legislation and regulation
20 %
8
Austerity programs
20 %
9
Loss of reputation, brand value (e.g. from social media)
20 %
Theft, fraud, corruption
13 %
10
Figures represent a percentage of all relevant responses for the Netherlands (15).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); the Netherlands: 15.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 10
11. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Portugal
Top 10 business risks for Portugal
1
Austerity programs
40 %
2
Market fluctuations (e.g. exchange or interest rates)
33 %
3
Theft, fraud, corruption
27 %
4
Natural catastrophes (e.g. storm, flood, earthquake)
27 %
5
Market stagnation or decline
27 %
6
Fire, explosion
27 %
7
Commodity price increases
13 %
8
Health issues, pandemics
13 %
9
Changes in legislation and regulation
13 %
10
Inflation
7%
Figures represent a percentage of all relevant responses for Portugal (15).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); Portugal: 15.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 11
12. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Russia
Top 10 business risks for Russia
1
Fire, explosion
56 %
2
Natural catastrophes (e.g. storm, flood, earthquake)
28 %
3
Business interruption, supply chain (e.g. machine breakdown)
25 %
4
Health issues, pandemics
25 %
5
Terrorism
22 %
6
Credit availability
13 %
7
Political/social upheaval, war
13 %
8
Changes in legislation and regulation
13 %
9
Market stagnation or decline
13 %
Intensified competition
13 %
10
Figures represent a percentage of all relevant responses for Russia (32).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Russia: 32.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 12
13. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Singapore
Top 10 business risks for Singapore
1
Fire, explosion
69 %
2
Business interruption, supply chain (e.g. machine breakdown)
56 %
3
Natural catastrophes (e.g. storm, flood, earthquake)
44 %
4
Quality deficiencies, serial defects
13 %
5
Credit availability
13 %
6
Pollution
13 %
7
Changes in legislation and regulation
13 %
8
Commodity price increases
13 %
9
Inflation
13 %
Intensified competition
13 %
10
Figures represent a percentage of all relevant responses for Singapore (16).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Asia/Pacific:
76; Singapore: 16.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Asia/Pacific
1 Business interruption, supply chain (e.g. machine breakdown)
46 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
30 %
3 Fire, explosion
25 %
4 Changes in legislation and regulation
22 %
5 Loss of reputation, brand value (e.g. from social media)
21 %
6 Cyber crime, IT failures, espionage
18 %
7 Commodity price increases
16 %
8 Market fluctuations (e.g. exchange or interest rates)
13 %
9 Intensified competition
12 %
10 Talent shortage, aging workforce
9 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 13
14. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Slovakia
Top 10 business risks for Slovakia
1
Market stagnation or decline
40 %
2
Intensified competition
40 %
3
Fire, explosion
40 %
4
Theft, fraud, corruption
20 %
5
Commodity price increases
20 %
6
Changes in legislation and regulation
20 %
7
Business interruption, supply chain (e.g. machine breakdown)
20 %
8
Natural catastrophes (e.g. storm, flood, earthquake)
20 %
9
Pollution
20 %
Technological innovation
20 %
10
Figures represent a percentage of all relevant responses for Slovakia (5).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); Slovakia: 5.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 14
15. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Spain
Top 10 business risks for Spain
1
Austerity programs
35 %
2
Intensified competition
29 %
3
Business interruption, supply chain (e.g. machine breakdown)
29 %
4
Natural catastrophes (e.g. storm, flood, earthquake)
26 %
5
Changes in legislation and regulation
26 %
6
Fire, explosion
23 %
7
Theft, fraud, corruption
16 %
8
Market stagnation or decline
16 %
9
Credit availability
16 %
Commodity price increases
10 %
10
Figures represent a percentage of all relevant responses for Spain (31).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); Spain: 31.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 15
16. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Switzerland
Top 10 business risks for Switzerland
1
Business interruption, supply chain (e.g. machine breakdown)
44 %
2
Natural catastrophes (e.g. storm, flood, earthquake)
38 %
3
Loss of reputation, brand value (e.g. from social media)
25 %
4
Changes in legislation and regulation
25 %
5
Cyber crime, IT failures, espionage
25 %
6
Euro-zone breakdown
19 %
7
Intensified competition
19 %
8
Theft, fraud, corruption
13 %
9
Austerity programs
13 %
Fire, explosion
13 %
10
Figures represent a percentage of all relevant responses for Switzerland (16).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); Switzerland: 16.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 16
17. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in
Ukraine
Top 10 business risks for Ukraine
1
Theft, fraud, corruption
45 %
2
Business interruption, supply chain (e.g. machine breakdown)
45 %
3
Fire, explosion
41 %
4
Changes in legislation and regulation
36 %
5
Natural catastrophes (e.g. storm, flood, earthquake)
32 %
6
Market stagnation or decline
23 %
7
Market fluctuations (e.g. exchange or interest rates)
14 %
8
Quality deficiencies, serial defects
9%
9
Loss of reputation, brand value (e.g. from social media)
9%
Power blackouts
9%
10
Figures represent a percentage of all relevant responses for Ukraine (22).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Ukraine: 22.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 17
18. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in the
United Kingdom
Top 10 business risks for United Kingdom
1
Business interruption, supply chain (e.g. machine breakdown)
44 %
2
Natural catastrophes (e.g. storm, flood, earthquake)
24 %
3
Market stagnation or decline
24 %
4
Intensified competition
24 %
5
Political/social upheaval, war
21 %
6
Changes in legislation and regulation
18 %
7
Cyber crime, IT failures, espionage
18 %
8
Fire, explosion
18 %
9
Loss of reputation, brand value (e.g. from social media)
15 %
Commodity price increases
15 %
10
Figures represent a percentage of all relevant responses for United Kingdom (34).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for Europe: 396
(Europe also includes Middle East and South Africa); United Kingdom: 34.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for Europe
1 Business interruption, supply chain (e.g. machine breakdown)
39 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
29 %
3 Fire, explosion
24 %
4 Market stagnation or decline
22 %
5 Changes in legislation and regulation
22 %
6 Intensified competition
16 %
7 Loss of reputation, brand value (e.g. from social media)
14 %
8 Theft, fraud, corruption
12 %
9 Cyber crime, IT failures, espionage
11 %
10 Quality deficiencies, serial defects
10 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 18
19. Allianz Risk Pulse Country and regional information on Business Risks 2014
The most important risks for businesses in the
United States
Top 10 business risks for USA
1
Business interruption, supply chain (e.g. machine breakdown)
61 %
2
Natural catastrophes (e.g. storm, flood, earthquake)
58 %
3
Fire, explosion
24 %
4
Loss of reputation, brand value (e.g. from social media)
17 %
5
Cyber crime, IT failures, espionage
15 %
6
Intensified competition
12 %
7
Quality deficiencies, serial defects
10 %
8
Environmental changes
10 %
9
Changes in legislation and regulation
10 %
Market stagnation or decline
10 %
10
Figures represent a percentage of all relevant responses for USA (59).
The Allianz “Risk Barometer” survey was conducted among risk consultants, underwriters, senior managers and claims experts within both AGCS
and local Allianz entities. Figures here represent the number of responses as a percentage of all relevant responses. Responses for North and
South America: 85; USA: 59.
Source: Allianz Global Corporate & Specialty
Top 10 business risks for North and South America
1 Business interruption, supply chain (e.g. machine breakdown)
56 %
2 Natural catastrophes (e.g. storm, flood, earthquake)
53 %
3 Fire, explosion
26 %
4 Changes in legislation and regulation
16 %
5 Loss of reputation, brand value (e.g. from social media)
15 %
6 Cyber crime, IT failures, espionage
12 %
7 Commodity price increases
11 %
8 Market fluctuations (e.g. exchange or interest rates)
11 %
9 Intensified competition
10 Talent shortage, aging workforce
9%
9 %
Allianz Risk Pulse – Allianz Risk Barometer 2014 Appendix page 19