Interest Rate Volatility Risk: Changes in market interest rates can significantly impact the bank's net interest margin, loan demand, and the value of its investment portfolio, potentially reducing overall profitability.

Credit Quality Deterioration Risk: An economic downturn, specific industry challenges, or individual borrower difficulties could lead to higher loan defaults and charge-offs, increasing provision for credit losses and negatively affecting earnings.

Liquidity Funding Risk: The bank may face challenges in attracting and retaining deposits or accessing wholesale funding markets at favorable rates, which could hinder its ability to fund loan growth or meet short-term obligations.