Scale of exposure: Mishandling of complaints regarding service delivery (p.9) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Poor communication with tenants and other stakeholders (p.9) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational of exposure: Lack of investment in existing stock (p.9) Failure to sustain adequate investment in existing stock whilst delivering cost efficiencies (p.17) Are we exposed to this risk? Yes No risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Inadequate assessment of of remediation works (pp. 5, 17) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Operational
Scale of exposure: Failure to reappraise business and plans for investment in existing stock in the light of post-Grenfell remediation costs (p.17) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Rents and rental markets Incorrect application of, or exclusion or particular properties from rent reductions (p.10) Are we exposed to this risk? Yes No risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Cashflow volatility from fluctuating PRS rents and impact on Affordable Rents (pp. 2, 10) Are we exposed to this risk? Yes No risk map(s) is it tracked on: Strategic / Operational Scale of exposure: Inadequate assessment of regional and product-specific rents, and resident expectations, ahead of investment commitments (pp. 2, 10) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational
Scale of exposure: Lack of assessment of opportunity costs and risks of entering PRS market (p.10) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Inflation Business plan vulnerability to significant inflation pressures, including development and reinvestment programmes (pp. 2, 11) Are we exposed to this risk? Yes No risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Increasing costs of index-linked finance, including sale and leaseback arrangements (p.11) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Operational Scale of exposure: Welfare reform* Reduced income due to effects of welfare reform* on rent arrears and rent lost to voids (pp. 2, 12, 13) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational
of exposure: Failure to assess particular impacts of welfare reform* by location, property type and household size (pp. 12, 13) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Increased income collection costs due to effects of welfare reform* (p.14) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Supported housing Risk of reductions in net income due to continued pressures on local authority funding, rent cuts, National Living Wage and impact of LHA cap (pp. 3, 15) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Raised exposure to in net income in low-value areas where rents and housing-benefit-eligible service charges are [relatively] high (p.15) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Operational
Inadequate management of contracts for procurement of new homes leads to inappropriate build quality (p.20) Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Increased resources required to manage defects, rectify problems and handle complaints in new schemes (p.20) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Social housing assets are inadequately protected from guarantees, recourse and impairment effects involving entities (p.21) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: Investment in non-social housing activity is not consistent with charitable vires (p.21) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Operational Scale of exposure: Are we exposed to this risk? Yes No ***
Inadequate and/or slow arrangements for refinancing debt due for repayment (p.23) Which risk map(s) is it tracked on: Strategic / Operational Scale of exposure: [Increased costs] as funders seek to recover short-falls resulting from low margins on existing debt. (p.23) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: [Failure to agree, in a timely manner,] new financial covenants following changes to reporting standards. (p.24) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Operational Scale of exposure: Exposure to counterparty risk [and hence risk of non-availability of undrawn funds] amongst new and existing funders. (p.24) Are we exposed to this risk? Yes No Which risk map(s) is it tracked on: Strategic / Board Operational Scale of exposure: New debt Are we exposed to this risk? Yes No