Investor Presentaiton
Continued to improve the capability of comprehensive risk management
Credit risk management
Improve the foresight and practicality of
industry policies, and continuously optimise
its credit structure
Asset quality remained stable with the NPL
balance and the special-mention loan
balance still at low levels
Achieved breakthroughs in the collection
and disposal of some key non-performing
projects and further improved the capacity
to mitigate risks
Liquidity risk management
Made proper forward-looking arrangement
of fund position, and optimized the scale,
term and currency structure of liquidity
reserves
Successfully addressed the impact of
unexpected interest rate hikes and balance
sheet reduction by the US Federal Reserve,
etc.
All major risk indicators of the Group were in
compliance with regulatory requirements
Risk governance
capacity
- Standardised the operation
mechanism of the Risk
Management and Internal
Control Committee
Core capacity building
- Accelerated the intelligent risk control
construction and the digital transformation
of risk management
Continued to deepen the
reform of comprehensive
risk management
Closed-loop research,
prediction and investigation
- Enforced management over the cycle of "risk
analysis, risk identification, stress testing, action
plans, risk response, and post evaluation"
Internal control & compliance
management
Continuously strengthened the internal control case
prevention, launched specific governance campaigns for
high-risk fields regarding case prevention, and facilitated the
fostering of a strict governance atmosphere
Further improved the refined management of AML and
sanction compliance, and solidly deepened the development
of a compliance culture
Market risk management
Properly coped with complicated situations, actively
conducted situation research and analysis
Implemented three sessions of debenture
investigation throughout the year to enhance the
management and control of investment risk
Conducted emergency drills for market risk, solidly
prepared response and underpinning plans, and
further improved the emergency system and
contingency capability
IT risk management
Established an enterprise-level cybersecurity
operation center to effectively handle external
threats
Participated in a national cybersecurity drill and
ranked among the top
Put an enterprise-level smart operation &
maintenance platform into operation, which
maintained the availability ratio of business
services in information systems at a high level
The continuity of business withstood
the test of multiple rounds of
outbreaks of COVID-19
21View entire presentation