<Ul> <Li> Refinancing risk </Li> </Ul> <Tr> <Th> Operational risk </Th> </Tr> <Tr> <Td> <Ul> <Li> Country risk </Li> <Li> Legal risk </Li> <Li> Model risk </Li> <Li> Political risk </Li> <Li> Valuation risk </Li> </Ul> </Td> </Tr> <Ul> <Li> Country risk </Li> <Li> Legal risk </Li> <Li> Model risk </Li> <Li> Political risk </Li> <Li> Valuation risk </Li> </Ul>

Which of the following is not a measure of risk management in banks