widespread of Covid-19 from the beginning of this year along with the imposition of the regulations on the usage of Sulphur which resulting in the sharp increase in the oil price in the world market also the

each customer segment, according to segment risk characteristics. Regarding small and micro business as well as retail customers, all likely to be affected by the slowing economy and mounting household

economy and mounting household debts, we have enhanced our recovery and collection strategies to better respond to varying risk levels of different customer groups. Customers are managed in such a way as to

small and micro business as well as retail customers, all likely to be affected by the slowing economy and mounting household debts, we have enhanced our recovery and collection strategies to better