When businesses and financial institutions identify and assess their impacts, dependencies, risks and opportunities, it is important that they consider different time horizons.

Dependencies that are critical to long-term performance can be overlooked in day-to-day decision-making. For example, a business may rely on a highly skilled and motivated workforce for sustained innovation and continuity, but short-term operational or financial pressures can lead to underinvestment in training or retention, weakening long-term resilience.

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