At Plutus Investment, we are committed to upholding the highest standards of corporate governance. We believe that strong governance practices are essential to building trust with our clients, shareholders, employees, and regulators, and are critical to ensuring the long-term sustainability and success of our business. This Corporate Governance Statement outlines the principles and framework that guide our governance processes.

1. Governance Structure

Plutus Investment operates under a robust governance structure designed to promote accountability, transparency, and responsible management of the firm’s affairs. Our governance structure consists of the following key components:

Board of Directors: The Board is the highest decision-making body, responsible for overseeing the strategic direction, risk management, and financial performance of the firm. The Board ensures that the interests of shareholders and stakeholders are protected through effective oversight and leadership.

Board Committees: The Board delegates certain functions to committees, which focus on specific areas such as audit, risk management, and remuneration. These committees ensure that critical issues are reviewed thoroughly and that appropriate recommendations are made to the Board.

Executive Management: The executive management team is responsible for the day-to-day operations of the firm. This team, led by the Chief Executive Officer (CEO), ensures that the strategic goals set by the Board are implemented effectively.

2. Board Composition and Independence

The Board of Plutus Investment is composed of a diverse group of experienced professionals with expertise across various sectors, including banking, finance, law, and risk management.

The Board comprises both executive and non-executive directors, with a majority of non-executive directors being independent. Independent directors play a crucial role in challenging and overseeing the decisions of the executive management, ensuring that decisions are made in the best interest of shareholders and stakeholders.

Directors are appointed through a rigorous selection process, ensuring that they possess the necessary skills, experience, and integrity to contribute effectively to the firm’s governance.

3. Accountability and Transparency

Financial Reporting: Plutus Investment is committed to transparent financial reporting that complies with local and international accounting standards. Our financial statements are independently audited by external auditors, ensuring accuracy and reliability.

Disclosure: We maintain open communication with our shareholders and stakeholders by providing timely and accurate disclosures about our financial performance, governance practices, and strategic initiatives.

Internal Audit: The firm has an independent internal audit function that reviews the effectiveness of the firm’s internal controls, risk management, and governance processes. The internal audit team reports directly to the Audit Committee to ensure objectivity and independence.

4. Risk Management

Plutus Investment recognizes the importance of managing risk to achieve sustainable growth. Our risk management framework ensures that all potential risks, including financial, operational, market, and reputational risks, are identified, assessed, and mitigated effectively.

Risk Committee: The Board’s Risk Committee oversees the firm’s risk management practices and ensures that the firm operates within its risk appetite. The committee reviews risk reports regularly and ensures compliance with both internal policies and regulatory requirements.

Compliance and Ethics: We operate in strict accordance with applicable laws, regulations, and ethical standards. Our compliance team works proactively to identify any areas of regulatory risk and ensures the firm adheres to the highest ethical standards.

5. Shareholder Rights and Engagement

Plutus Investment is committed to protecting the rights of its shareholders. We ensure that shareholders are well-informed about the firm’s performance and have opportunities to participate in key decisions.

Annual General Meetings (AGMs): Shareholders are encouraged to participate in the AGM, where they can vote on significant corporate actions, ask questions, and engage with the Board and management.

Equal Treatment: All shareholders are treated fairly and equitably, with equal access to important financial and governance information. Minority shareholders’ rights are safeguarded, ensuring transparency and fairness.

6. Sustainability and Social Responsibility

Plutus Investment is committed to promoting sustainable business practices that contribute to the economic and social development of the communities in which we operate. Our sustainability initiatives are aligned with the global principles of environmental, social, and governance (ESG) standards.

Environmental Responsibility: We actively seek to minimize our environmental impact by adopting eco-friendly practices, reducing carbon emissions, and supporting green financing initiatives.

Social Impact: Plutus Investment is dedicated to improving the welfare of our employees, clients, and communities. We engage in corporate social responsibility (CSR) initiatives that focus on education, healthcare, and economic empowerment.

7. Ethical Conduct and Integrity

Code of Conduct: We have established a comprehensive Code of Conduct that outlines the ethical behaviour expected of all employees and directors. This code promotes transparency, accountability, and integrity in all our operations.

Whistleblower Policy: We maintain a whistleblower program that enables employees, clients, and stakeholders to report unethical practices confidentially. The firm guarantees protection against retaliation for those who report in good faith.

8. Continuous Improvement

Plutus Investment is committed to the continuous improvement of our corporate governance practices. We regularly review and update our governance framework to align with evolving best practices, regulatory changes, and stakeholder expectations.

Conclusion

At Plutus Investment, corporate governance is at the core of how we operate. We are dedicated to maintaining the highest standards of governance, promoting transparency, safeguarding shareholder interests, and ensuring the long-term sustainability of our business. Through strong governance practices, we aim to build lasting value for our stakeholders and contribute positively to the broader Ghanaian economy.

Website Disclaimer for Plutus Investment

Disclaimer

The information provided on this website (www.plutusInvestmentgh.com) is for general informational purposes only and is not intended to constitute legal, financial, or investment advice. Plutus Investment (“the Firm”) makes every effort to ensure that the information on this Site is accurate and up to date; however, the Bank makes no guarantees, representations, or warranties, whether expressed or implied, as to the accuracy, reliability, completeness, or suitability of the information provided.

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2. Investment Risk

All investments carry risks, including the potential loss of principal. The past performance of investment products or services does not guarantee future results. Plutus Investment does not guarantee any specific investment outcomes, and users should carefully consider their financial circumstances and consult with financial advisors before making any investment.

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Plutus Investment, its affiliates, directors, employees, or agents shall not be held liable for any losses or damages arising from the use of or reliance on information or services provided on this Site, including but not limited to direct, indirect, incidental, punitive, and consequential damages.

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8. Changes to Disclaimer

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