As a holding company, the Group's primary risks arise from the operations of Ngern Tid Lor (NTL), the subsidiary, in the lending and insurance brokerage businesses. The Group places strong emphasis on enterprise-level risk management to support sustainable growth within an acceptable risk appetite.

This is achieved through a comprehensive risk management framework covering credit, operational, financial, investment, and ESG dimensions, systematically integrated within the Enterprise Risk Management (ERM) process to enable effective risk identification, assessment, and monitoring. The governance process is overseen by the Board of Directors and the executive committee under clearly defined policies and internal controls, with transparent disclosure practices. Key risks are categorized into three groups: (1) Group-level risks, (2) ESG risks, and (3) NTL risks.

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