Strong and visible commitment from top and senior management

Managing risks in a portfolio context

Risk/Return principle

Establishing a risk management function that is independent of direct risk takers

Separate Risk Management function from the Risk generating units

Clear-cut policies and guidelines

Best practice infrastructure

Clearly defined product mix and approval limits

Well Structured products and processes

Adequate mitigates for all categories of risk

Effective control and monitoring function

Risk-based approach to internal control.

Portfolio Management bias: Risk, Size, Concentration, Pricing and Tenor.

Regular and Comprehensive Portfolio reports to aid decision-making.

A risk analysis process aligned to our corporate goals and integrated in our strategic / business planning and investment approval process.

Strong Sanction policy

Risk Measurement

Risk Monitoring

Risk Control

Risk Reporting