Time to take stock

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In these days of market turmoil and heightened risk, financial institutions could react in two ways. Some will latch on to the various three-letter acronyms being bandied around - GRC (governance risk compliance), ERM (enterprise risk management) or CRM (convergent risk management) - hoping to appease regulators pushing for improved risk management frameworks. Others, weighed down by a succession of poor financial results, will emphasise the high cost of risk management and ask for a more

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