Main enterprise risks The main enterprise risks that will have to be managed are as follows: $$ Climate change and extreme weather incidents. Severe extreme weather incidents will deplete resources, and the impact of drought or flooding on agriculture$-$reliant economies may increase the number of refugees across borders. $$ After$-$effects of the COVID$-19.$ Post$-$pandemic stress on employees, customers and third parties may result in low productivity, misconduct and business closures. $$ Environmental, Social and Governance issues. A shortfall of dedicated resources to lead the Bank in managing ESG risks and limited customer ESG data sources results in the inability to demonstrate a commitment to sustainable financing for ESG initiatives. $$ Technology. Technology is one of the main risk areas for most banks, which were affected by the following: o Cyber$-$attacks o Ransomware attacks o Technological instability o Technological fraud o Unskilled staff Operational risks The Bank identified the following operational risks with the respective severity and frequency ratings: $1.$ Regulatory constraints $(3$;$3)2.$ Threats posed by emerging technology companies $(4$;$4)3.$ Psychological effects of Covid$-19(2$;$2)4.$ Fraud via digital channels $(3$;$3)5.$ Inadequate procedures to detect internal fraud and staff defalcations $(3$;$2)6.$ Resourcing for ESG risk management $(3$;$3)7.$ Technology instability $(4$;$3)8.$ Unawareness of customers regarding digital fraud $(3$;$4)9.$ Resourcing skilled staff for risk management $(4$;$5)10.$ Operational dependence on third parties $(4$;$2)11.$ Back$-$to$-$back extreme weather events $(5$;$3)12.$ Ransomware attacks $(5$;$5)$

Briefly discuss the operational risk factors and allocate the list of operational risks mentioned in the case study to each risk factor.