Investor Presentaiton
④ Strengthened comprehensive risk management
Credit risk
Optimized the corporate credit
management system, speeded up
response to the market and
customers, and strengthened the
effectiveness of risk control
Established Industry Planning&
Research Center and made credit
policy more forward-looking
Focused on key areas and
strengthened potential risk
control
Strengthened the recovery and
disposal of non-performing
assets
Carried out smart risk control in an
all-round manner to promote the
digitalized transformation of risk
management
Market risk
Strengthened the Group's
coordinated management of
securities and asset management
business risks, continuously carried
out investigation on bond default risk
and strengthened early warning of
risk events
Timely adjusted asset and liability
structure and pricing strategy
according to market changes, and
controlled interest rate risk at a
moderate level
Aimed to match the source of funds
with the currency used in exchange
rate risk management, and
maintained the net foreign
exchange exposure at a low level
by means of exchange settlement
and hedging
| Liquidity risk
Daily average liquidity
coverage ratio (LCR) was
136.36% in the fourth
quarter
Net stable funding ratio
(NSFR) was 124.46%
RMB and foreign
currency liquidity ratio
(LR) were 54.6% and
60.4% respectively
Quota management
Risk warning
Stress testing
Internal control
and operational risk
Improved AML policies and
rules, optimized resource
allocation
Continuously improved the
compliance risk governance
mechanism and management
process, cultivated the
compliance culture, and
ensured the stable
development of the Group
Continuously carried out
internal control governance,
and strengthened operational
risk management and business
continuity management
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