In an effort to support the group’s oversight and monitoring of the credit portfolio and underwriting practices at ABG Units , The Group established the “Non-Performing Assets (NPA) and Provisions Committee” at Head Office with the key objective of reviewing and monitoring the Credit Portfolios, Assets quality, NPAs and ECL/provisions levels and trends across ABG’s Units. The Committee is chaired by the Group Chief Executive Officer and composed of several Executive Management members from both the Head Office Credit & Risk Management Department and Finance Department. The Committee meet at least 4 times a year or more frequently if needed.