. Moreover, the Company formulated a master plan to prepare for the “New Normal” lifestyle that covers in 5 main dimensions, with more than 75 detailed measures to be implemented: 1) Extra Screening 2) Social
income decreased mainly due to lower gains on investments and net fees and service income. The main reason for the decrease in net fees and service income was the change in recognition of fee income from
other forms: (1) having the characteristics of a collective investment scheme; (2) having the main objective of investing in assets related to infrastructure; (3) having the main objective of investing in
understand their needs, paid more attention to building good relationship with all groups of customers and offered integrated financial products and services as to respond to each segment explicitly. The bank
understand the feature, risks and specific conditions of such capital market products every time before making a decision to invest. After having performed in compliance with the first paragraph, the
ought to understand the feature, risks and specific conditions of such capital market products every time before making a decision to invest. After having performed in compliance with the first paragraph
investors and other users of credit ratings can understand how a credit rating was determined by the CRA. 3.3 A CRA should disclose a material modification to a credit rating methodology prior to the
Discussion and Analysis for the Third Quarter ended 30 September 2019 Page 6/22 2. Loan Services The bank has divided the customers into the segments to deeply understand their needs, paid more attention in