CHAIRMAN’S STATEMENT

Risk Management

Risk is an inherent aspect of our operations, managed through a continuous process of identification, measurement, and monitoring, all within predefined risk limits and stringent controls. Through comprehensive discussions and in-depth analysis of our exposure to various risks, coupled with regular reviews of the effectiveness and sufficiency of our risk controls, we prudently manage risks amidst a dynamic economic and regulatory landscape. Continual assessments of our risk profile relative to our risk appetite and local economic shifts further inform our risk management strategies.

Our robust risk mitigation processes are supported by rigorous internal controls, an efficient internal audit function, and a steadfast compliance regimen, ensuring the resilience and reliability of our risk management framework.