. However, commercial banks remained tighten credit standards on loans to SMEs and household as their concern on a deterioration in debt serviceability especially weak financial position SMEs and high debt
policy on dividend distribution or, if it does not have a fixed policy, state so. B. Significant Changes Disclose whether or not any significant change has occurred which may have a material effect on the
pending or known to be contemplated. 10. Describe the issuer’s policy on dividend distribution or, if it does not have a fixed policy, state so. B. Significant Changes Disclose whether or not any
, total investment, and a robust export growth. As of May 31, 2018, the Company’s total cards reached 8.24 million cards (including 2.52 million credit cards and 5.72 million member cards), net increasing
) “ ” “ derivatives” 1. derivatives 2. derivatives “ CIS” 1. 2. CIS “ ” 270 “B/E” (Bill of Exchange) “benchmark” “CIS operator” 1. . 2. CIS “concentration limit” “counterparty limit” “CRA” (Credit Rating Agency) 5 5
2017, credit demand from large corporates increased with a major need for working capital and investment in fixed assets for some types of businesses. Demand for loans from SMEs has stabilized as the
accelerate in line with domestic car sales. However, commercial banks remained tighten credit standards on loans to SMEs as their concern on a deterioration in debt serviceability especially weak financial
Financial Policy Ratios Debt to Equity times 0.40 0.42 0.42 Interest coverage times 3,095.00 545.41 222.73 Dividend payout (%) 76.07%* 55.96% 55.68% * Pending approval from the 2020 annual general meeting of