OPOS Board-Level Risk
Strategic Risk Management
1 critical
6 high
12 total
| Risk | Category | Owner | Approval chain | L | I | Rating | Status | Trend |
|---|---|---|---|---|---|---|---|---|
Egypt FX volatility eroding margins Sustained EGP devaluation reduces consolidated USD revenue and squeezes net interest margin across the Egypt portfolio. Financial Sustain Group Profitability Egypt | Country | Group CFO | Unrouted | 5 | 5 | critical · 25 | escalated | increasing |
Customer satisfaction decline in Nigeria Four-week NPS decline driven by digital channel outages and branch queue times. Customer Deliver Customer Excellence Nigeria | Reputation | Country CXO — Nigeria | Unrouted | 4 | 4 | high · 16 | mitigating | increasing |
Strategic delivery slippage — Innovation roadmap Two flagship innovation initiatives behind plan; risks 2027 differentiation targets. Innovation Drive Innovation & Growth Kenya | Strategic | Group Chief Strategy Officer | Unrouted | 4 | 4 | high · 16 | open | increasing |
Cyber intrusion risk on core banking Increased intrusion attempts targeting core banking APIs and third-party fintech integrations. Process Operational Resilience Kenya, Nigeria, Egypt, Ghana | Technology | Group CISO |
| 3 | 5 | high · 15 | mitigating | stable |
Regulatory non-compliance — AML thresholds Tightening AML transaction monitoring thresholds in Kenya and Ghana require model recalibration. Governance Strengthen Governance & Compliance Kenya, Ghana | Compliance | Group Chief Compliance Officer |
| 3 | 4 | high · 12 | open | increasing |
Critical talent attrition in Technology Senior engineering attrition above 18% annualised threatens delivery of digital roadmap. People Build Future-Ready Talent Kenya, Nigeria | People | Group CHRO |
| 4 | 3 | high · 12 | mitigating | stable |
Concentration risk — top-10 corporate exposures Top-10 corporate exposures represent 38% of corporate book; sectoral concentration in energy. Financial Sustain Group Profitability Kenya, Nigeria | Financial | Group Chief Risk Officer |
| 3 | 4 | high · 12 | monitoring | stable |
Brand reputation — social media incident response Slow response to viral customer complaints causing brand-sentiment dips. Customer Deliver Customer Excellence Nigeria, Kenya | Reputation | Group CMO |
| 3 | 3 | medium · 9 | mitigating | decreasing |
Sovereign risk — Ghana macro outlook Sovereign credit downgrade probability elevated; impacts treasury portfolio valuation. Financial Sustain Group Profitability Ghana | Country | Group Treasurer | Unrouted | 2 | 4 | medium · 8 | monitoring | stable |
Climate transition risk — corporate book Carbon-intensive corporate exposures face transition repricing in regulated markets. Governance Strengthen Governance & Compliance Kenya, Nigeria, Egypt | Strategic | Group Chief Sustainability Officer | Unrouted | 2 | 4 | medium · 8 | monitoring | increasing |
Branch network operational losses Cash handling losses trending above tolerance in three Lagos branches. Process Operational Resilience Nigeria | Operational | Head of Branch Operations — Nigeria |
| 3 | 2 | medium · 6 | mitigating | decreasing |
Vendor concentration — payments switch Single-vendor dependency for payments switch; limited contractual SLA remedies. Process Operational Resilience Kenya, Nigeria | Operational | COO |
| 2 | 3 | medium · 6 | open | stable |