Embess Investment company aims to become the primary firm of choice for aspiring investors
across the World, and will continue to improve products and services for clients in the
corporate and private capital investment management. We see significant growth potential in the
world and will align our strategy to the local market dynamics in each country.
The
strategy will be implemented using following tactical steps:
• Becoming the
primary firm of choice for mass affluent investors by increasing new and existing investors that
use Embess Investments as their primary firm and develop current account “hook” products, new
card products and new online service features.
Embess Investment Group has a comprehensive corporate governance and risk management structure
in place to operate in a transparent and prudent manner to balance and protect the interests of
its various stakeholders.
Embess Investment corporate governing bodies are the General Meeting of Shareholders, the
Supervisory Board and the Management Board, each having its own responsibilities and authorities
in accordance with EU law and the Articles of Association.
The Audit Committee is responsible for providing support to the Supervisory Board in its supervision of audit issues. This includes reviewing the terms of reference and policies and procedures of the Internal Audit Division as well as providing recommendations thereon to the Supervisory Board, reviewing the annual audit plan prepared by the Internal Audit Division, reviewing the most significant findings of the Internal Audit Division on a quarterly basis, and reviewing the Internal Audit Division’s annual assessment of its performance according to the audit plan. In addition, the Audit Committee supervises Embess Investments Group’s relations with external auditors and makes recommendations in relation to their appointment, re-appointment or removal, provides recommendations regarding any issues identified by the FCMC, and provides annual assessments to the Supervisory Board. The Audit Committee is composed of at least three members, and is chaired a member of the Supervisory Board. The Audit Committee meets four times per year, or more frequently if required.
The Risk and Governance Committee is responsible for providing support to the Supervisory Board by monitoring the levels of risk to which Embess Investments Group is exposed and the compliance of its operations with permitted levels of risk, as well as ensuring that remuneration schemes take into account liquidity, capital and operational risk. It also checks that risk is sufficiently priced into Embess Investments Group’s products and services, and provides recommendations regarding any areas identified by the FCMC for improvement. The Risk and Governance Committee is composed at least three members, and is chaired by a member of the Supervisory Board. The Risk and Governance Committee meets four times per year, or more frequently if required.
The Technology Committee is responsible for providing support and advice to the Supervisory Board in relation to technology and technological innovation, including in relation to embess investment Group’s strategic approach to technical and commercial innovation, the acquisition of technology to ensure ongoing growth, the development of measurement and tracking systems, and proposals to upgrade the Supervisory Board’s oversight function. The Technology Committee reports to the Supervisory Board on an annual basis. The Technology Committee meets four times per year, or more frequently if required and is chaired by a member of the Supervisory Board.