BNCTL has embedded appropriate procedure and policies and implemented 3 Lines of Defense methodology across the Bank to comprehensively measure, price and control risks. The risk management at BNCTL has set more restrictive internal limits for Capital Adequacy Ratio and Liquidity Ratio, than required by the Central Bank, to protect deposits of our customers. As a result, BNCTL is a safer bank and we have the trust of our customers and our community.