The Executive Director leads the execution of the sustainability strategy with active involvement from the Sustainability Working Group ("SWG"). The SWG manages day-to-day sustainability initiatives, ensuring that core business functions can fulfil their plans, meet timelines and mitigate risks. The SWG prepares for sustainability issues related to policies, guidelines and strategy. [...] DFI has seamlessly incorporated sustainability risks into its thorough risk management framework. The management's broad, enterprise-wide perspective addresses all risks relevant to the Group; the Board of Directors diligently oversees associated processes. DFI recognises environmental, social and governance risks and opportunities as factors affecting DFI Group financially and non-financially. [...] DFI's Enterprise Risk Management ("ERM") framework explicitly includes sustainability and climate risks, supplementing the existing focus on corporate, financial and operational risks. The identified risk appetite is consistently reviewed and monitored by designated risk owners and the Risk Department. The Board Risk Management and Sustainability Committee deliberates further on these matters.