A. Poor corporate governance because it is never a good thing to have many of your loans and mortgages outstanding. The major risk for this is that all the customers default from their loans and mortgages.
B. Poor corporate governance because the measure on the growth on assets can be manipulated in the favor of the CEO and CFO. The risks include asset manipulation, inside trading/information.
C. Poor corporate governance because the audit committee should meet up more then just twice a year. On top of that the members of the board are not the best candidates for the job. How much can a retired executive know about the financial services? The risks include poor judgment from the board.
D. Poor corporate governance because the internal auditor should be reporting to more then one person. Or at least more then one person should view the information that is being collected and shown. The risks include the CFO manipulating the reports from the internal auditor therefore making it seem like everything is okay in the financial statements when it is handed to the audit committee.
E. Poor corporate governance mainly due to the fact that the CEO has been around for only 6 months and wants to destroy the hierarchal system in the company. The risks include that when problems arise internally, there may be a lot of confusion on how to handle them.
F. Poor corporate governance because the economy is always fluctuating. Also the committee only focuses on
