The various types of risk to which the Group is exposed include operational risks such as: fraud risk (internal or external); employment risk (employee relations, workplace security, diversity management and discrimination, union activities and civil liability); client and product risk (unsatisfactory products, poor customer services, failure to fulfil professional obligations to clients, violation of trust and misuse of confidential information); risks concerning the execution of procedures, e-commerce, the implementation of new financial instruments, use of new technology and globalization; risks connected to system interruption or malfunction; legal and compliance risks; risks relating to service providers and risks relating to social/environmental and climate changes.