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For the Company, risk management is a top priority in achieving an optimal balance between value creation in a business action and the risks faced.

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

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

Foreign Currency Risk

Risk that involves fluctuations in the fair value of future cash flows from a financial instrument due to changes in foreign currency exchange rates.

Credit Risk

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

Liquidity Risk

Risks that arise when the Company experiences difficulties in paying its financial liabilities.