ATW Financial GroupAll the way with you

Corporate governance

How the Board leads ATW, how its decisions are checked, and the policies that every company in the group follows.

Our approach

Good governance protects the people who rely on us: borrowers, employees and shareholders. We are building ATW to the standards expected of a company listed on the Singapore Exchange.

Our framework follows the principles of the Code of Corporate Governance 2018 and the SGX-ST Listing Manual. The Board is responsible for the group's strategy, risk appetite and values, and for holding management to account. It delegates specific oversight to four committees, each with written terms of reference.

Each subsidiary has its own management team and, where required, its own licences. ATW sets group-wide policies on risk, compliance, conduct and data protection, and every subsidiary reports against them to the Board through its committees.

Our annual report will explain how we have applied the Code, and where we have varied from any provision, why.

Governance framework

Who is accountable to whom, from shareholders to the subsidiaries that serve customers.

Board committees

Each committee reports to the full Board after every meeting.

  • Audit Committee

    Chaired by the Lead Independent Director. All members are non-executive, and a majority are independent.

    • Reviews half-year and full-year financial statements
    • Oversees internal and external audit
    • Reviews internal controls and interested person transactions
    • Receives whistleblowing reports

  • Nominating Committee

    Chaired by an independent director.

    • Recommends Board and committee appointments
    • Reviews the independence of directors each year
    • Oversees Board succession and annual Board evaluation

  • Remuneration Committee

    Chaired by an independent director. All members are non-executive.

    • Recommends the remuneration framework for directors and key management
    • Links pay to long-term performance and risk
    • Reviews service contracts and termination terms

  • Risk Management Committee

    Oversees risk across all four subsidiaries.

    • Sets the group's risk appetite for Board approval
    • Monitors credit, liquidity, operational and compliance risk
    • Oversees the Group Chief Risk Officer and subsidiary risk teams

Charters and policies

Placeholder documents

The documents that set out how the Board, its committees and every company in the group operate.

Board and committees

Ethics and conduct

Shareholders and disclosure

Risk and compliance

Speak up

If you are worried about possible wrongdoing at ATW or any of its subsidiaries, tell us. You can report in confidence, and you do not have to give your name.

Concerns can include fraud, bribery, unfair treatment of customers, breaches of law or regulation, misuse of personal data, or anything that breaks our Code of Business Conduct and Ethics. Reports go directly to the Chair of the Audit Committee, who is independent of management.

By post
Private and confidential
Chair of the Audit Committee
ATW Financial Group Pte. Ltd.
133 Cecil Street
#01-01 Keck Seng Tower
Singapore 069535

We do not tolerate retaliation against anyone who raises a concern in good faith. Every report is recorded, assessed and, where appropriate, investigated independently.

Read the Whistleblowing Policy