This chapter provides an overview of FMO's risk governance and risk management approach. The sections describe the key risk domains that FMO faces in accordance with applicable disclosure requirements and developments throughout 2018.
Read more ›Introduction
Capital is central to a bank’s ability to absorb unexpected losses and to be able to continue its operations. Therefore, FMO aims to maintain a strong capital position that meets regulatory requirements and supports its high investment grade rating.
Read more ›Enterprise Risk
Investment risk is defined as the risk that actual investment returns will be lower than expected returns, and encompasses credit, equity, concentration and counterparty credit risks.
Read more ›Financial Risk
Environmental, Social and Governance (ESG) risk is the potential adverse impact of the investments FMO makes to people and the environment.
Read more ›Non-Financial Risk