Risk Oversight

Risk Committee

The Risk Committee is responsible for overseeing the enterprise-wide risk management framework of EATG Global Capital. It ensures that risks are identified, measured, monitored, and controlled within the risk appetite established by the Board of Governors, and that a strong risk culture permeates the organization.

Risk Framework Risk Appetite

Risk Framework

Enterprise Risk Management Framework

Three Lines of Defense

The Committee operates within a three-lines-of-defense model: business units own and manage risk (first line); the Risk Management function provides independent oversight and challenge (second line); and Internal Audit provides independent assurance (third line). The Committee oversees the effectiveness of all three lines.

First Line: Business unit risk owners

Second Line: Independent Risk Management

Third Line: Internal Audit assurance

Risk Taxonomy

The Enterprise maintains a comprehensive risk taxonomy covering six primary risk categories, each with defined sub-categories, metrics, and limits. The Committee reviews the taxonomy annually and approves any changes proposed by management.

Market Risk Credit Risk Liquidity Risk Operational Risk Strategic Risk Reputational Risk

Risk Governance Structure

Tier 1

Board of Governors

Ultimate Risk Oversight

Tier 2

Risk Committee

Risk Framework Oversight

Tier 3

Management Risk Committees

Operational Risk Management

Tier 4

Business Units

First Line Risk Ownership

Risk Appetite

Risk Appetite Statement & Limits

The Board-approved Risk Appetite Statement defines the types and quantum of risk the Enterprise is willing to accept in pursuit of its strategic objectives. The Committee monitors adherence to appetite limits and recommends adjustments as the risk environment evolves.

Market Risk VAR 95%

Current: 62%Limit: 85%

Credit Risk Exposure Ratio

Current: 74%Limit: 80%

Liquidity Risk LCR

Current: 45% above thresholdMin: 30%

Operational Risk RCSA Score

Current: 38%Limit: 65%

Committee Structure

Chair

Independent Board member with risk management expertise. Appointed by the Board of Governors.

Membership

Chief Risk Officer, Chief Investment Officer, CFO, General Counsel, and three independent Board members.

Quorum

Majority of members including the Chair or designated alternate. At least one independent member required.

Frequency

Eight regular meetings per year. Special meetings may be called by the Chair or at Board request.

Risk Monitoring

Monitoring, Stress Testing & Reporting

Historical

Stress Testing Program

Comprehensive stress testing program covering historical scenarios, hypothetical macroeconomic shocks, and reverse stress tests. Results inform capital planning, limit setting, and contingency planning.

Scenarios24

FrequencyQuarterly

Ongoing

Risk Limit Monitoring

Real-time monitoring of risk limits across all risk categories. Automated alerts at 75%, 90%, and 100% of limit utilization. Breaches escalated to the Committee within 24 hours.

Limits Tracked142

Breaches (YTD)0

Quarterly

Risk Reporting

Quarterly risk report to the full Board covering risk profile changes, limit utilization, emerging risks, stress test results, and control environment assessment. Monthly reporting to Management Committee.

Reports6 per annum

DistributionBoard & Mgmt

Emerging Risks

Horizon Scanning & Emerging Risk Assessment

Emerging Risk Categories

Geopolitical Risk

Climate Transition Risk

Cybersecurity Threat Evolution

AI & Technology Disruption

Regulatory Fragmentation

Market Structure Evolution

Committee Dashboard

92%

Risk Framework Maturity

Active Risk Indicators

Limit Breaches (YTD)

100%

Risk Training Complete

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