their highest benefit, support of financial service competition, transparent data disclosure and maintenance of financial stability, among others. Meanwhile, commercial banks’ customers, especially small

disclosed information in a transparent and fair practice. This reflects the confidence from government agencies to provide accurate, up-to-date, and sufficient information to investors fairly. December 2019

preferable and discouraged practices are defined to ensure quality of credit extension. Our credit risk management is based mainly on current, transparent and qualified data. The credit approval processes and