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Lending activities are subject to constant risk. The Bank realizes that the key success lies in how the risk is managed, by putting in place clear risk management process that describe the steps taken to mitigate risk as it occurs, to meet the Bank’s objective.

The management of risk at the Bank is undertaken by the respective operational functions within the Bank and monitored by the Group Risk Management. This risk management process involves four major processes as follows:-


Risk Identification

Identify and analyse risks surrounding the activities and understand how to respond to these risks.


Risk Assessment and Measurement


Quantify and assess risk impact.


Risk Control

Putting systems in place and recommend measures to control and mitigate risk.


Risk Monitoring

Monitor the effectiveness of risk management controls, and report on progress and compliance.