One of the most contemporary divisions of the Bank is the Risk Management Department, which operates independently and reports directly to the Board of Supervisors (BoS) through Board Risk Committee. The Risk Management Department plays a critical role in identifying, assessing, and mitigating various risks to ensure the Bank's financial stability and regulatory compliance. It oversees credit risk by evaluating borrowers' creditworthiness, manages market risk through stress testing, and addresses operational risks such as fraud or system failures. Additionally, it ensures liquidity risk is controlled, maintains capital adequacy, and safeguards the Bank’s reputation by adhering to ethical practices and regulatory standards. By implementing robust risk frameworks and monitoring tools, the Department protects the Bank from potential losses, enhances stakeholder confidence, and supports long-term sustainability. Ultimately, it enables the Bank to navigate uncertainties while maintaining profitability and operational resilience.