Risk Management Framework
Risk Management Model
First Line of Defence
01First Line of Defence
Within the Risk Governance structure, the First Line of Defence (also referred to as the "front line") includes relationship managers and other customer-facing employees and support units who are closest to the customers and counterparties during the contracting phase of relationships and conduct of transactions or business. The Line of Business Teams (Retail, Corporate or Treasury) that wish to conduct Banking Business with customers are also referred to as Risk Owners. The Operational Teams (Centre and Branches), Support Teams (HR, Finance, Admin) & IT Teams (Systems and Telecom) involved in supporting the Lines of Business to conduct their Banking also considered part of the First Line of Defence. These teams are also referred to as Control Owners
People
02People
We treat our customers, staff and community with the utmost respect both as individuals for their ideas and future they represent. We see employee development as a necessity and therefore recognise and reward outstanding performance.
Intergrity
03Intergrity
We are committed to working within the rules, set by our regulators and own high standards. We always act transparently in all our dealings and relationships, both internally and externally.