In each of the following questions a short passage is given with one of the lines in the passage missing and represented by a blank. Select the best out of the five answer choices given, to make the passage complete and coherent.
………….Enterprises worldwide are therefore, now putting in place an integrated framework for risk management, which is proactive, systematic and covers the entire organization. Banks in India are also moving from the individual silo system to an enterprise –wide risk management system. This is placing greater demands on the risk management skills in banks and has brought to the fore the need for capacity building. While the first mile-stone would be risk integration across the entity, banks would do well to aggregate risk across the group both in the specific risk areas as also across the risks.