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` Demographic profile and longevity
` Convergence of financial service industry
` Changing product
` Unpredictable volatility in financial market
` Emergence of complex new product
` Frequent change in technology
` New types of killer diseases
` Structural changes
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` Underwriting Risks
` Actuarial Risk
` Pricing Risk
` Asset-Liability Risk
` Systemic and Market Risk
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` Portfolio Segmentation
` Cash flow Management
` Cash flow Testing
` Follow the regulatory measures
` Hedging
` Liquidity Analysis
` Stress Testing
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` Disciplined risk management approach

` Defined manual and policies
` Structured risk management approach
` Risk Allocation
` Measurement of Performance (MOP)
` Risk Budgetting (RB)
` Enterprise Risk Management (ERM)
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` Need of more strong regulatory mandates
` Uniform risk standard needs to be introduced to all
companies
` ING has very strong norms and measures to handle
the risks
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