, forcing the Group to bear any costs itself. In almost all of the Group's corporate insurance policies, pandemics like COVID-19 are not covered. The seasonality of sales means unexpected events in the final
, all of which are covered and properly managed. Credit Risk Management Credit risk refers to risk whereby a counterparty or borrower may default on contractual obligations or agreements, or have an
and manage risks associated with market volatility. In addition, it is an important means whereby prices of the underlying products such as securities and gold can be adjusted with greater efficiency