The first question would aim to verify if the distinctions I made between the four different risk
types and between the two diverging risk models are valid. A survey of a larger sample of
financial institutions could be used to explore the risk management mix in different
organisations and to see what patterns they take and what are the driving factors of the
emerging clusters. It is likely that other variables that were not exposed in the current field
studies will surface. In particular, size could be a significant differentiating factor. For
example, the small Swiss canton-banks are reportedly concerned with Risk Silo Management,
but so far have not taken interest in the Economic Capital framework that would bring
Integrated Risk Management or Risk and Value Management in the risk management mix