1) Is the disclosure easily understandable by the stakeholders e.g. investors, analysts, financial customers and others?

2) Is the language of the disclosure uncomplicated, so that it can be easily read and understood?

3) Does the disclosure provide comprehensive details on significant risks types and the relevant response by the management?

4) Is the disclosure regular in the sense that all amendments have been clearly highlighted?

5) Is the disclosure easily comparable with that of other banks?

6) Does your disclosure highlight your banks most significant emerging risks and how these risks should be managed?

7) Is your disclosure generic?

8) Does your disclosure enable key stakeholders to identify trends in your banks risk profile across all significant aspects of its business?

9) Is your disclosure updated regularly and consistent over time?

10) Is your disclosure comparable with other banks? (business activities, prudential metrics ,risk management)

11) Does your disclosure provide additional quantitative and qualitative information that will provide market participants with a broader picture of a banks risk position?

12) Does your Bank describe their risk management objectives and policies explicitly?

13) Does your bank supplement the quantitative information provided in templates with additional qualitative commentary?

14) Does your bank supplement the template with qualitative discussion including the definition of default?

15) Is the consolidated risk information presented in any report so that the users can easily navigate risk disclosure in the report?16) Does the bank provide information that facilitates users understanding of the linkages between line items in the balance sheet and the income statement?

17) Does the bank employ risk management techniques to measure and assess the risk of loss beyond reported risk measures and parameters?