proceedings pending or known to be contemplated) that may have, or have had in the twelve months immediately preceding the date of registration statement, significant effects on the issuer’s financial position

a certified public auditor and opinion of an independent financial advisor that the projections have been carefully prepared -None- 15. Pending material lawsuits or claims As of 31 December 2017, The

collection items from the NPL management business which the Company have not recognized ( such as, cash collected from auction sale pending recognition, suspended account for debt repayment, check pending

collection items from the NPL management business which we have not recognized (such as cash collected from auction sale pending recognition, suspended account for debt repayment, check pending collection and

issuer or its significant subsidiaries. C. Legal Proceedings Provide information on any legal or arbitration proceedings (including any governmental proceedings pending or known to be contemplated) that

applicable law or regulation. d. With respect to a pending credit rating action, the policies, procedures, and controls should prohibit the CRA and its employees from selectively disclosing information about

not include cash collection items from the NPLs managemen t business which we have recognized (such as cash collected from auction sale pending recognition, suspended account for debt repayment, check

sale pending recognition, suspended account for debt repayment, check pending collection and suspended account for write-off). However, cash collection is not an indicator of actual cash flow of our NPLs

% decreasing from 5.8% at the end of previous year and decreasing from 5.2% in the previous quarter, mainly from caution on new loan under the new wave of COVID-19 situation. In the end of third quarter of 2 0 2

productivity of our operations to ensure distinctive customer experiences. Capital allocation will be executed with caution to ensure we streamline ourselves, improve CAPEX and OPEX efficiency, and deliver