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01Increased competition from fintech could pressure margins, with a potential 5% decline in net interest margin over the next year.
02Local economic downturn could lead to higher non-performing loans, with estimates suggesting a 20% increase in defaults if unemployment rises above 7%.
03Regulatory changes affecting capital requirements
04Technological disruption in banking services
05Emergence of fintech companies offering lower-cost alternatives
06Increased competition from larger banks in the region
07Limited liquidity due to a lack of diversified funding sources
08Potential for increased loan defaults in an economic downturn
