and 3) Investment Banking. For Credit Business which will focus on loan expansions to retail and Small and Medium Enterprise segment, the goals will be on building efficiencies, creating standards

will focus on loan expansions to retail and Small and Medium Enterprise segment, the goals will be on building efficiencies, creating standards, identifying new alternative channels to reach targeted

. For Credit Business which will focus on loan expansions to retail and Small and Medium Enterprise segment, the goals will be on building efficiencies, creating standards, identifying new alternative

the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business which will focus on loan expansions to retail and

the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business which will focus on loan expansions to retail and

the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For the Credit Business which focuses on loan expansions to retail and

the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For the Credit Business which focuses on loan expansions to retail and

the company's products are existing projects. There is also a matter of measures for housing loans that were officially adopted in April 2019. Causing the purchasing power and customers' purchasing

revenue due to the decrease in consumers’ purchasing power as a result of the impact from the new wave of COVID-19 outbreak, as well as the temporary closure of some branches according to government

, outbound tourists, and economic activity. However, the rising inflation was an emerging factor pressuring purchasing power for price-sensitive consumers to look for cheaper packages. • Competition in the