risk management system for unit selling and purchasing was defective, and the internal audit and internal control systems as well as the compliance system were inefficient. Besides, the bank failed to

inefficient and failing to detect if its employees use their related persons to open a trading account and execute transactions. Even though the relationship between clients and employees was found out, the

) surveillance system to prevent conflicts of interest: the system was found to be inefficient and failing to detect if its employees use their related persons to open a trading account and execute transactions

& DeLuca business by the end of 2019 as it is undergoing a “rightsize” strategy through cost control and merging of chain operations to minimise losses from unprofitable branches Selling and administrative