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• o protect a ainst un oreseen losses and ensure sta ility o earnin s
• o maximise earnin s potential and opportunities
• o maximise share price and sta eholder protection
• o enhance credit ratin s and sta eholder perception
• o develop a ris culture that encoura es all staff to identi y ris s and associated opportunities and to respond to them with cost effective actions
Scope of Risks
he scope o ris s that are directly mana ed y the Ban is as ollows Credit ris , Operational ris , ar et and i uidity ris , e al and Compliance ris , Strate ic ris , Reputational ris and Capital ris .
Risk Management Governance
Structure
Access Ban ’s Ris ana ement Governance Structure is depicted
Level 1
Level 2
Level 3
Level 4
BOARD Risk Management Committee
BOARD OF DIRECTORS
BOARD Committee on Human Resources
Enterprise Risk Management Committee (ERMC)
Chief Ris Officer
Risk Management Division
Business
Unit Risk Champoins
BOARD Credit and Finance Committee
Management Credit Committee
BOARD Audit Committee
Cyber and Information Security Risk Management Committee (CISRMC)
Chief Information Security Officer (CISO)
Operational Risk Management Committee (ORMC)
Asset Liability Committee (ALCO)
Internal Audit Division
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driving sustainable
Annual Report
growth through innovation