business work closely together in order to achieve combined results in the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For

achieve combined results in the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business which will focus on loan

closely together in order to achieve combined results in the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business

closely together in order to achieve combined results in the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business

objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business which will focus on loan expansions to retail and Small and Medium Enterprise

the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business which will focus on loan expansions to retail and

the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For Credit Business which will focus on loan expansions to retail and

the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For the Credit Business which focuses on loan expansions to retail and

the three business objectives which the Group places focus upon 1) Credit Business 2) Private Banking and 3) Investment Banking. For the Credit Business which focuses on loan expansions to retail and

, hence presents another downward pressure to overall economy and telecom spending. Cost management and long-term investment view for resiliency As risks and uncertainties lie ahead, AIS management places