The Bank recognizes the importance of having a strong internal audit and control system along with a strong risk management system. Guidelines established are as follows :

1. The internal processes, operating guidelines, staff and management responsibilities have been clearly written in the Bank's operations handbook. There is also tight control of asset utilization to maximize return to the Bank. Operational tasks and responsibilities have been distinctly separated from that of internal audit and control creating a system of check and balance. A system of routine financial performance reporting is made to respective senior management of each business function to ensure the integrity of operations.

2. The Bank's Internal Audit Department and the Bank's IT Audit Departments have full access and independence in reviewing operations of the Bank's various business units and in ensuring integrity of the Bank's information system. This is to provide confidence that the Bank is operationally and financially sound and is in accordance with established guidelines. The Bank's Compliance Unit is responsible for ensuring the Bank's compliance with all legal guidelines and reports directly to the Audit Committee who reviews the unit's performance.

3. To minimize potential loss, the Bank has in place a risk management system implemented by the Risk Management Committee. A Risk Management Department was also established to develop and improve techniques in effective risk management and reports directly to the Risk Management Committee.