It appears that generally limitations in achieving objectives are caused by the next realities: (1) leader’s judgment in making decisions is not always the best, if there are not regarded all the circumstances; (2) risks can occur because of simple error or misconduct; (3) decisions on risks...

Bankruptcies of major credit institutions in the UK and the U.S., since late 2007, have generated a large-scale financial crisis that affected most countries of the world economy significantly. To limit the effects of the crisis and restore confidence in the banking system, states have taken...