. The criteria to be used to determine the consideration value Some considerations to purchase machine and equipment are as follow; Option No. 1 To purchase machine and equipment from a machine producer

depress agricultural and even industrial production during the first half of this year (4) the subsequent effects of the aforementioned factors on employment and household income, which would hinder private

still exhibit a decline of 2.2%. Although the economy is showing signs of recovery in many areas, factors that still need to be monitored include 1) the continuing trade tensions between the US and

company will be forfeited. The bidding bond still bound with the Provincial Waterworks Authority. Additional management considerations The management has considered that the said land is adjacent to the

asset quality management for its loan portfolio and focus on expanding into profitable segment with better asset quality taking into careful considerations the economic conditions. As such, the overall

credit rating, including, as applicable, the models, financial metrics, assumptions, criteria, or other quantitative or qualitative factors to be used to determine the credit rating. respect to a credit

of the investment committee. (2) Prescription of factors for investment decision to be comprised of at least the followings; - Analysis of overview domestic and international economy taking into

investment limit of each particular fund. Guidelines 3.2.1 Investment Consideration (1) Prescription of the structure, roles and duties of the investment committee. (2) Prescription of factors for investment

management while expanding into profitable segment with higher asset quality taking in careful considerations the economic conditions. The overall Bank’s loan portfolio as of end of 3Q20 expanded by 8.2% 2

accounting policy, the Group immediately recorded commission as selling expenses when the transaction occurred.  2)  Free transfer fee and common area fee - the Group considers the fees to be considerations