Operational risk

Operational risk includes employee behavior management, employee fraud, abuse, lawsuits, damage to assets due to weather, as well as errors due to incorrect data entry of employees. The Supervisor has established cooperation with experts in the field of developing human rights practices.

Due to the inexorable business environment, the demands and pressures of expanding an individual’s cognitive-emotional capacities are on the rise today.

The best predictor of an individual’s business performance when working in a dynamic, competitive, changing business environment is the degree of his or her cognitive-emotional complexity.

When the external complexity of the world exceeds the internal level of complexity, which is understood as the mental-emotional field of perception and processing of information from the outside world, then the feeling of internal pressure, stress, which may eventually affect the health of the individual, increases.

The degree of its cognitive-emotional complexity is also becoming an important predictor of an individual’s well-being and health.

Companies that have people in their jobs who no longer cognitively and emotionally reach external complexity and instability in their work environments also face a culture of conflict, exhaustion, and fluctuation. While this may be due to many factors, the growing gap between the demands of the workplace for increasingly complex cognitive-emotional competencies and existing cognitive-emotional competencies of employees is becoming a growing factor.

For companies – assistance in the development of workplace management practices:

For smaller, growing businesses: Personnel-organizational planning, consulting and design (and / or evaluation) of desired job competencies (also in terms of cognitive-decision complexity (this

Candidate Assessment in Cognitive-Emotional Complexity and Human Resource Consulting (including Key Personnel Search)

Assistance and counseling in the management of young talents and career planning

Assistance and consulting in the development of successful teams

Assistance and consultancy in developing the recruitment of new key personnel

Assisting for greater use of intuition for entrepreneurial, innovative decision making (learning how to use the electromagnetic field of the heart calibrated with the electromagnetic field of the brain as an information base)

Assistance in career change and transition to more responsible jobs

Legal and regulatory risk

Legal risk can be defined through a loss for an institution arising from legally invalid transactions, lawsuits or replies to lawsuits or any other legal action that indicates an obligation to the institution (eg, termination of the contract), loss due to poorly protected assets (eg intellectual property) or loss resulting from changes in legislation. Legal risk results in financial or reputation loss due to regulatory or legal actions, errors in the preparation or execution of contracts, inappropriate management of non-contractual rights or inability to settle non-contractual obligations.

Liquidity risk

Liquidity generally defines the ability to execute a larger transaction on the market quickly, at low cost and without moving the market price. For investors as well as recipients of funds, liquidity is a significant factor. Investors do not know when they will need to sell the assets, and the recipients of the funds are concerned about the risk that they will not be able to finance themselves.

Liquidity risk is divided into liquidity risk in financing and liquidity risk of assets. Financing risk arises from the fact that, when a debt expires, an entity must obtain new assets for smooth operations somewhere, whether in the form of refinancing a loan or obtaining new funds from another title. On the other hand, we talk about liquidity risk when there is a possibility that a company will not be able to conduct a transaction at market (fair) price in a particular market due to lack of buyers or sellers.

Credit risk

Credit risk is a reduction in the value of a property due to the deteriorated creditworthiness of the borrower or credit institution. In the worst case, the risk of bankruptcy of the borrower and the complete write-off of such a claim. The most beautiful representation of credit risk is in the form of a credit spread, which represents the differences in the required returns for various risky securities. or a risk-free premium on a security with a certain credit score.

Market risk

Market risk arises when there is a possibility that the value of our financial assets may change due to changes in the price of a financial instrument or good in the market. This may involve changes in the prices of physical commodities (eg energy or precious metals), securities, foreign currency, or changes in interest rates. Market risk may otherwise arise from open or unprotected positions in the market or from an incomplete correlation between two instruments that are supposed to offset each other’s risk.