information memorandum and hereby certifies that the information in this information memorandum is correct, complete, does not contain any false statement, concealment of material facts that are needed to be
customers’ early warning sign detection and behavior monitoring to ensure efficient monitoring, recovery and collection processes. Credit Risk Management Process A credit risk management process, from
operations included: Notification of Committee Overseeing Debt Collection Practices Notification of Committee Overseeing Debt Collection Practices Re: Number of Contacts for Debt Collection, which was
right under the topic, “Expected Collection Rates” - None applicable items shall be specified as “Not Collected” - Other expenses contain individual items each not exceeding 0.01% of NAV - Conditions for
was affected by the business undertaking of the Company or its subsidiaries during the previous year, disclose related facts and clarify the causes, impacts, solutions, future inspection and preventive
offer for sale of debt securities, if the offeror has disclosed material facts which are not stated in the registration statement and draft prospectus to any specific person for the purpose of analyzing
complete and accurate application and evidentiary documentation as prescribed in the Licensing Manual for the Public, the SEC Office shall ascertain the facts [declared in the application] in accordance with
Net profit (from operation) (%) 22.3% 13.5% Account receivable turnover (times) 5.3 4.7 Net profit (after MI) 2 (%) 23.6% 15.6% Average collection period7 (days) 69 77 Return on equity3 (%) 17.4% 13.8
portion of the agreement as a payment guarantee and to improve the debt collection period in order to reduce the risk of debt repayment in the future. 4. Are the following transactions considered as a
. Cash cycle The cash cycle for the year ended December 31, 2019 and 2018 was 6.9 days and -3.3 days, respectively, driven by longer average collection period from 19.2 days to 22.0 days, higher inventory