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IT and Cyber Security Riskसूचना प्रविधि तथा साइबर सुरक्षा जोखिमIT and cyber risk is the risk of loss, disruption or data compromise from failure or misuse of information systems, including hacking, malware, fraud through digital channels and system outages.Risk & ComplianceInterest Rate RiskIRRब्याजदर जोखिमInterest rate risk is the risk that changes in market interest rates reduce a bank's net interest income or the value of its assets and liabilities.Risk & ComplianceInternal Control and Internal Auditआन्तरिक नियन्त्रण तथा आन्तरिक लेखापरीक्षणInternal control is the set of policies, procedures and checks that management builds to protect assets, ensure accurate records and comply with laws; internal audit is the independent function that tests whether those controls work.Risk & Compliance