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Our business activities are inherently subject to various risks, including market and credit risks, operational risks, system risks and risks resulting from external events.

Managing those risks is an integral part of management’s responsibilities to secure fiscal health as well as to contribute to the maintenance and expansion of corporate value. Our risk management framework and governance structure is intended to provide comprehensive controls, monitoring and reporting.

Key issues and structure related to our risk management include: proactive senior management commitment to risk management, strengthening of the risk managemen structure by conducting stress and scenario analysis led by a Chief Risk Officer (CRO), Integrated management based on risk appetite as defined by the Group Integrated Risk Management Committee.