Corporate governance.
How the Board leads ATW, how its decisions are checked, and the policies every company in the group follows.
01Our approach
Governance that protects people.
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.
02Structure
Who answers to whom.
From the shareholders who own ATW to the subsidiaries that serve customers.
Board committees
Subsidiaries
03Committees
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
04Library
Charters and policies.
Placeholder documentsThe documents that set out how the Board, its committees and every company in the group operate.
- Board CharterRole, composition and procedures of the Board, and matters reserved for its decision.PDF, 78 KB
- Audit Committee Terms of ReferenceOversight of financial reporting, internal controls, and internal and external audit.PDF, 80 KB
- Nominating Committee Terms of ReferenceBoard appointments, succession planning and assessment of director independence.PDF, 83 KB
- Remuneration Committee Terms of ReferenceRemuneration framework for directors and key management personnel.PDF, 77 KB
- Risk Management Committee Terms of ReferenceOversight of credit, liquidity, operational and compliance risk across the group.PDF, 75 KB
- Board Diversity PolicyHow we build a Board with the right mix of skills, experience, gender and age.PDF, 79 KB
- Code of Business Conduct and EthicsStandards of behaviour expected of every director and employee in the group.PDF, 81 KB
- Whistleblowing PolicyHow to raise concerns in confidence, and how we protect those who do.PDF, 77 KB
- Anti-Bribery and Corruption PolicyZero tolerance for bribery, with rules on gifts, hospitality and third parties.PDF, 80 KB
- Securities Dealing PolicyRestrictions on dealing in ATW securities, including blackout periods.PDF, 76 KB
- Continuous Disclosure PolicyHow we identify and release material information to the market promptly.PDF, 75 KB
- Shareholder Communication PolicyHow we engage with shareholders and the investment community.PDF, 74 KB
- Interested Person Transactions PolicyReview and approval of transactions with interested persons.PDF, 77 KB
- Enterprise Risk Management FrameworkRisk appetite, three lines of defence and reporting to the Board.PDF, 74 KB
- Anti-Money Laundering and Countering the Financing of Terrorism PolicyCustomer due diligence, screening and suspicious transaction reporting.PDF, 78 KB
- Personal Data Protection PolicyHow the group collects, uses and protects personal data under the PDPA.PDF, 81 KB
- Sustainability PolicyHow environmental, social and governance factors shape our decisions.PDF, 77 KB
05Whistleblowing
Speak up. We'll listen.
If you're worried about possible wrongdoing at ATW or any subsidiary, tell us. You can report in confidence, and you don't have to give your name.
Concerns can include fraud, bribery, unfair treatment of customers, breaches of law or regulation, or misuse of personal data. We do not tolerate retaliation against anyone who raises a concern in good faith.
- Report by email
whistleblowing@atwgroup.com.sg, received directly by the Chair of the Audit Committee.
- Or write to us
Private and confidential, Chair of the Audit Committee, ATW Financial Group Pte. Ltd., 133 Cecil Street, #01-01 Keck Seng Tower, Singapore 069535.
- We assess every report
Each report is recorded, assessed independently of management and, where appropriate, investigated.
- You're protected
We keep your identity confidential and do not tolerate retaliation for concerns raised in good faith.