Company: ARBB
Filing Date: 2025-10-31
Form Type: 20-F
Source: 0001213900-25-104705
Chunk: 18

Company: ARB IOT Group Ltd
Filing Date: 2025-10-31
Form: 20-F
Item: Item 3
Chunk 18
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, adding new personnel
or protection technologies or compliance costs), regulatory penalties, financial losses to both us and our customers and partners and
the loss of customers and business opportunities. If such attacks are not detected immediately, their effect could be compounded. Although
we will attempt to mitigate these risks, there can be no assurance that we will be immune to these risks and not suffer losses in the
future.

We are dependent on the continued services
and performance of our senior management and other key employees, the loss of any of whom could adversely affect our business, operating
results and financial condition.

Our businesses depend on the skills, reputation,
and professional experience of our senior management and key employees, the network of resources and relationships they generate during
the ordinary course of their activities, and the synergies among the diverse fields of expertise and knowledge held by our senior professionals.
Therefore, the success of our business depends on the continued services of these individuals. If we lose their services, we may not be
able to execute our existing business strategy effectively, and we may have to change our current business direction. These disruptions
to our business may take up significant energy and resources of our Company, and materially and adversely affect our future prospects.
Specifically, our future performance depends on the continued services and contributions of our Chief Executive Officer, Liew Kok Leong
and our Chief Financial Officer, Ng Kok Wah who have in-depth knowledge and experience in the technological industry and in managing our
operations. Without these key executives and employees, we may not have the ability to execute on our business plans and to identify and
pursue new opportunities and innovations. The loss of services of senior management or other key employees could significantly delay or
prevent the achievement of our development and strategic objectives. The loss of the services of our senior management or other key employees
for any reason could adversely affect our business, financial condition and operating results. We do not presently maintain any key man
life insurance policies.

Increases in costs, disruption of supply
or shortage of materials, in particular for hardware and software, could harm our business.

We may experience increases in the cost or a sustained
interruption in the supply or shortage of materials. Any such increase, supply interruption or shortage could materially and negatively
impact our business, prospects, financial condition and operating results. We use various materials in our business, including hardware
and software, from suppliers.

The prices for these materials fluctuate, and
their available supply may be unstable, depending on market conditions and global