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. Nonetheless, the business sector remained challenged by new modes of competition, the broader marketplace amid the advancing digital age, regulatory changes, the rapid pace of technological advancement and fast
of fast-changing cyber threats that are always becoming more diverse and more complicated. Reinforcing a cyber risk-aware culture that involves the Board of Directors and high-level management
, commercial bank loan continued to increase in line with the economic growth. Consumer loan expanded well, particularly mortgage lending with growth accelerated before the loan to value (LTV) measure become
and cyber security challenges while staying ahead of fast-changing cyber threats that are always becoming more diverse and more complicated. Reinforcing a cyber risk-aware culture that involves the