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The Company has undertaken risk management in all aspects of the Company business activities, particularly for the main risk factors and risk factors that potentially have a significant impact on the Company performance and financial positions.

TYPE OF RISK
Interest Rate Risk

The risk that arises when the fair value or future cash flows of a financial instrument fluctuate due to changes in market interest rates.

Foreign Exchange Risk

The risk involving fluctuations in the fair value of future cash flows of a financial instrument due to changes in foreign exchange rates.

Credit Risk

The credit risk faced by the Company arises from loans given to customers and placement of checking accounts and deposits in banks.

Liquidity Risk

The risk that arises when the Company experiences difficulties in paying its financial obligations.