and an increase in net interest income in line with loan growth, which was consistent with rising net interest margin (NIM). Excluding net profit from investment and income from auction of mortgaged

as certain banks had realized income from auction of mortgaged guarantee assets in the first quarter. Meanwhile, net fees and service income, in spite of an over-year decline, began to show signs of

internal processes and developing employees’ skills to accommodate the task of underwriting loans with trees pledged as collateral. This may take some time in order to ensure that the value of collateral is