that the Company managed to properly slash sales expenses from the previous year to be in parallel with the plunge in sales revenue. Nevertheless, some of the sales expenses did not adjust promptly and

company still managed to maintain the gross profit margin at 39.9% and started to realize the profit from 2 new completed joint venture condominium projects (Joint Venture) with Nomura Real Estate

services from TigerSoft, HUMAN managed to slightly lower cost of sales and services. The overall growth in cost of sales and services was in line with the 29.3% growth in sales and services revenue. Gross

% compared to the same period of last year. That show the Company managed to properly slash sales expenses from the previous year to be in response to decline in sales revenue and the impact from the

significantly as above-mentioned, whereas the Company has managed efficiently for the cost of sales and administrative expenses by continuously decreasing from the same period last year from the change of

debt recovery and total portfolio and a strong growth of both domestic and overseas subsidiaries. In addition, the Company efficiently managed the funding cost. 2. Financial Status Total Assets As of

customers more than 133,535 with representing 5% of total company customers. The Company and subsidiaries have managed liquidity risk of operating cash flow under the COVID- 19 situation with soft loan

possible) General Equity Fund Bond Fund Mixed Fund Feeder Fund Unlisted Index Fund Passively Managed Index Tracking Exchange-Traded Fund (ETF) Any other type, please specify

Unlisted Index Fund Passively Managed Index Tracking Exchange-Traded Fund (ETF) Any other type, please specify ____________________________________________ 4) Is the Hong Kong Covered Fund a sub-fund of an

due to the growth of loan portfolio specially the credit card business. Moreover, the operating cost has been managed with higher efficiency. 5 2. Financial Status Statement of Financial Position 28