04 / OUR SUSTAINABILITY APPROACH 01 02 03 05 06 07 08 09 57 SUSTAINABILITY STATEMENT Key Activities: • The Board oversees compliance with regulatory requirements and governance standards, ensuring adherence to guidelines issued by BNM, Bursa Malaysia and the SC, while embedding the principles of the MCCG into the Group’s policies and practices. • Female representation on the Board increased to 37.5%, up from 33% in 2024. Key Risks: • Operational risk arising from misconduct and breaches of ethical standards • Credit risk stemming from unethical or improper credit assessment practices Key Opportunities: • Strong regulatory compliance protects reputation, reduces risks and attracts investors. • Effective governance, supported by clear accountability, builds trust and enables growth. • Ethical business practices strengthen stakeholder confidence and organisational resilience. GOOD BUSINESS CONDUCT WHY IT MATTERS We uphold strong corporate governance and ethical conduct, guided by clear oversight structures that reinforce integrity, transparency and regulatory compliance. Through accountable practices and rigorous controls, we maintain a governance environment that safeguards stakeholder confidence, supports responsible decision-making and ensures the Group continues to operate to the highest standards. Key Activities: • Introduced the Group Sustainability Risk Management Framework, which harmonises the approach to identifying, assessing, and monitoring sustainability‑related risks, ensuring these considerations are embedded across the Group to strengthen long‑term resilience and support the Group’s strategic objectives. • Communicated climate risk requirements during onboarding and annual risk reviews, besides outlining the remedial or mitigating actions expected to support client transition to guide clients in aligning with the Group’s risk appetite and financing criteria. Key Risks: • Operational risks arising from weak risk governance and inadequate oversight structures Key Opportunities: • Enhances enterprise-wide risk insight and forwardlooking decision-making, strengthening resilience to emerging threats and volatility RISK MANAGEMENT WHY IT MATTERS In an increasingly volatile environment, comprehensive risk management is vital for organisational resilience. By embedding risk management within our governance and strategy, we systematically identify, assess and mitigate interconnected operational, financial, regulatory and sustainability risks. This strengthens our ability to manage market uncertainty, safeguard long-term value and adapt to evolving regulatory and stakeholder expectation.
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