Shareholder Activism No No Adverse Changes in Industry Regulations No Yes Interest Rate Fluctuations No Yes Fuel Price No Yes Currency & Foreign Exchange Rate Fluctuations No Yes Liquidity/Cash No Yes Asset Valuation No Yes Financial Market Instability No Yes Economic Recession No Yes Accounting / Tax Law changes No Yes Uncompetitive Cost Structure No Yes Revenue Management No Yes Currency Inconvertibility No No Adverse Changes in Environmental Regulations No Yes Debt and Credit Rating No Yes Health Care and Pension Costs No Yes Vulnerability BCM RIM New or Foreign Competitors No Yes Policy Boycott and Condemnations No No Offensive Advertising No No Negative Media Coverage No Yes Timing of Business Decisions and Moves No No Foreign Market Protectionism No Yes Corporate Culture No Yes Market Share Battles No Yes Loss of Intellectual property No Yes Pricing and Incentives War No Yes Attacks on Brand Loyalty No No Customer Relations No Yes Product Market Alignment " Gotta Have Products" No Yes Supplier Relations No Yes Dealer Relations No Yes Program Launch No Yes Merger and Industry Consolidation No Yes Inadequate Management Oversight No Yes Customer Demand Seasonality and Variability No Yes Ethics Violation No Yes Ineffective Planning No Yes Technology Decisions No Yes Joint Venture / Alliance Relations No Yes Budget Overruns or Unplanned Expenses No Yes Perceived Quality No Yes Union Relations / Labor Disagreements and Contract Frustrations Yes Yes Product Development process No Yes Product Design and Engineering No Yes Vulnerability BCM RIM HR Risks – Key Skill Shortage, Personnel Turnovers Yes Yes Harassment & Discrimination No Yes Loss of Key Equipment Yes Yes Vandalism Yes Yes Warranty/Product Recall Campaigns No No Uilities Failures Communications, Electricity, Water, Power, etc. Yes Yes Tier 1, 2, 3, …n Supplier Problems: Financial Trouble, Quality “Spills”, Failure to Deliver Materials, etc. No Yes Supplier Bus. Interruption No No Loss of Key Supplier Yes Yes Operator Errors/ Accidental Damage Yes Yes Workplace Violence Yes Yes Service Providers Failures Yes Yes Government Enquiries No Yes Computer Virus / Denial of Service Yes No Logistics Route or Mode Disruptions No Yes Health & Safety Violations Yes Yes IT System Failures (Hardware, Software, LAN, WAN) Yes Yes Logistics Provider Failures No Yes Accounting or Internal Controls Failures No Yes Loss of Key Personnel Yes Yes Dealer Distribution Network Failures No Yes Info. Mgmt. Problems Yes Yes Extortion No No Restriction of Access / Egress Yes Yes Kidnapping No No Arson Yes Yes Embezzlement Yes Yes Theft Yes Yes Vulnerability BCM RIM Asbestos Exposure No No Mold Exposure No No Cargo Losses No Yes Geopolitical Risks No Yes Severe Hot/ Yes Yes Cold Weather Yes Yes Disease/Epidemic Yes Yes Animal / Insect Infestation No Yes Blizzard / Ice Storms Yes Yes Hail Damage Yes Yes Lightning Yes Yes Strikes Yes Yes Earthquake Yes Yes Flooding Yes Yes Wildfire Yes Yes Hurricane/ Typhoon Yes Yes Heavy Rain / Thunderstorm Yes Yes 3rd Party Liability No Yes General Liability No Yes Product Liability No No Directors & Officers Liability No No Workers Compensasation No Yes Volcano Eruption Yes Yes Wind Damage Yes Yes Tsunami Yes Yes Building Subsidence & Sinkholes No No Land, Water, Atmospheric Pollution No Yes Wind Damage Yes Yes Deductible Limits No No Building Collapse Yes Yes Boiler or Machinery Explosion No Yes Bldg. or Equip. Fire Yes Yes Loss of Key Facility Yes Yes