The BIS definition: "the risk of loss resulting from inadequate or failed internal processes, people, and systems or from external events," encompasses which of the following risks?

Which of the following is a non-institutional lender?

a. commercial bank b. savings bank c. private individuals d. credit union

A characteristic of a low-context culture which is prevalent in the United States, Switzerland, and Germany is that:

A) less information is contained in verbal communication. B) major emphasis is on a person's values and position in society. C) the messages are explicit and specific. D) a person's word is his or her bond. E) negotiations are long and protracted.