Interest Rate Volatility Risk: Changes in market interest rates can significantly impact the bank's net interest margin, particularly if funding costs rise faster than asset yields or if loan demand is suppressed by higher rates.

Loan Portfolio Credit Risk: Exposure to potential losses arising from borrower defaults across various loan categories, including commercial real estate, commercial & industrial, and consumer loans, particularly during economic downturns or sector-specific stress.

Liquidity and Funding Risk: The potential inability to meet short-term and long-term financial obligations due to unforeseen deposit outflows, reduced access to wholesale funding markets, or adverse changes in market confidence.