• Establishment and adherence to stringent Risk Management guidelines and operating parameters is the key behind Pak Kuwait's sterling achievements over the years. Pak Kuwait's  Management has a clear appreciation of the Credit Risk and Market Risk functions and has engineered requisite operating parameters to manage the distinct risks within acceptable limits.

• All potential business proposals ( Credit Memorandums ) are carefully screened by the Senior Management Review Committee (SMRC) and only those which meet Pak Kuwait's strict internal credit guidelines/criteria are put forward for approval to the Executive Committee or the Board. Furthermore, the portfolio is strategically diversified with exposure in various industries i.e. Fertilizer, Pharmaceutical, Textile, Cement, Energy Sector, etc.

• Market Risks arising from business activities are monitored and managed by the Asset & Liability Committee (ALCO).  ALCO provides strategic direction in relation to Balance Sheet Management and the approach followed is to offset undesirable risk by combining the strength of Pak Kuwait's balance sheet with business unit strategies.

• Capital Market operations are also subject to stringent and comprehensive Risk Management guidelines to ensure adequate control.