Risk Management

and monitoring credit realization, more intensive

collection efforts for 'The Special Case customers'

to prevent collectability deterioration, increase

the supervision credit function, implement the

principle of Prudential Banking in credit expansion,

supervise existing systems and procedures, as well

as accurate and excellent Counterparty analyze.

MARKET RISK

Market risk is a risk in the balance sheet and

administrative account including derivative

transactions, due to overall changes in the market