Operational Risks:

• Human Errors: Errors made by employees could lead to financial losses or operational disruptions.
• System Interruptions: Technical glitches or system failures could disrupt operations and affect customer service.
• Fraud: Unauthorized transactions or fraudulent activities could result in financial losses and damage to the company’s reputation.
• Cybersecurity Breaches: Hackers or cyberattacks could compromise sensitive customer data, leading to financial losses and legal liabilities.

Credit and Liquidity Risks:

• Credit Risk: While Swister doesn’t engage in lending to third parties, there’s still a risk associated with the creditworthiness of counterparties involved in investment schemes.
• Liquidity Risk: Swister’s assets may not be readily convertible to cash, especially in the short term, impacting its ability to meet financial obligations.

Market Risks:

• Real Estate Investments: Market fluctuations in the real estate sector could affect the value of Swister’s investments, potentially leading to financial losses.

• Equity Market Unpredictability: Changes in equity markets could result in losses on investments in stocks and equities.

• Commodity Price Fluctuations: Fluctuations in commodity prices could impact Swister’s investments in commodities.

• • Interest Rate Changes: Changes in interest rates could affect the profitability of Swister’s investments, particularly in fixed-income securities.
• Credit Spread Variations: Variations in credit spreads could affect the value of Swister’s investments in fixed-income securities.

Regulatory and Legal Risks:

• Regulatory Compliance: Swister operates in a highly regulated industry and must comply with various financial regulations, failure to do so could result in fines or legal actions.

• Legal Disputes: Swister may face legal disputes related to commercial activities, which could result in financial losses or damage to the company’s reputation.

• Changes in Laws and Regulations: Changes in laws and regulations, especially in the countries where Swister operates, could impact its business operations and financial performance.

Market Suspension Risk:

• Trading Suspension: Trading in Swister N.V. shares may be suspended for various reasons, including during future offering periods, impacting liquidity and investor confidence.

Governmental and Political Risks:

• Government Instability: Operating in regions with varying degrees of political stability exposes Swister to risks such as regime changes, policy reforms, and expropriation, which could disrupt its operations and financial performance.

• Currency Exchange Rate Fluctuations: Fluctuations in currency exchange rates could impact Swister’s financial results, especially if it operates in multiple jurisdictions with different currencies.
• Taxation Risks: Changes in tax laws or practices in the countries where Swister operates could affect its financial performance and investor returns.

Market Listing Risks:

• Market Listing Uncertainty: There’s uncertainty regarding the successful listing of Swister N.V. shares on the stock exchange, which could impact liquidity and investor confidence.

Dividend Payment Uncertainty:

Dividend Payment: Swister intends to pay dividends on its shares, but there’s no guarantee of the amount or frequency of dividend payments, which could impact investor returns.