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Welcome to the annual RiskBusiness Key Business Concerns Report, 2023. Each year, we analyse the industry’s biggest risk surveys to identify the most pressing issues impacting financial institutions in the year ahead, from a non-financial risk perspective. Every year brings new challenges for those responsible for risk management, compliance and related roles. This year is no different, with the aftermath of Covid colliding with growing political and economic turmoil, set against the backdrop of the largest war on European soil since WW2.