1. Lack of Appropriate and Highly skilled personal related to risk
management.
2. Unable to change the management for implementing the new policies,
systems and procedures related to risk management.
3. Lack of authentic data which is required for the implementation of Basel
II framework.
4. Lack of reporting and disclosure at (FI) of internal and external risk.
5. Lack of strategy and execution of ERM among the (FI).
management