percentile. The non-linear effect of firm size on corporate culture is particularly interesting and warrants further investigation. We encourage future researchers to look more deeply into this issue. V
, 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