which correspondent to the low level of Consumer Confidence Index, while household debt has steadily increased and anxiety for employment situation in the future, all these affected to the expenditure of

sectors, in particular tourism, manufacturing and exports. The situation eroded confidence of investors, leading to increased anxiety about a new round of economic crisis which prompted them to sell off

the US which triggered anxiety among global investors, the worse-than-expected US economic figures, and the Federal Reserve’s monetary policy perspectives, especially concerns over low US inflation

the decline. Exports, in particular, shrank in line with signs of global economic weakness and anxiety surrounding the trade spat between the US and its major trade partners. Moreover, private

) without any formal agreements in place following the resignation of UK Prime Minister Theresa May. Amid heightened economic risks and anxiety towards a looming global economic slowdown, financial markets

. However, people still have anxiety about the widespread of COVID-19 which affect the decision in going to the hospital, led to a significant decrease in regular patient traffic compared to the same period

other practice guidelines to support continuity of operation. Division 6 Communications with relevant persons 6.1 To prevent and lessen anxiety of relevant persons and the public as well as to be able to

, companies should provide other practice guidelines to support continuity of operation. Division 6 Communications with relevant persons 6.1 To prevent and lessen anxiety of relevant persons and the public as

Risk Management Division, Assets and Liabilities Management Sub-committee and Risk Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short and long

Management Committee. We are also watchful for any potential impact on our deposits and liquidity, both short- and long-term, to ensure that we adopt proper fund-raising strategies. 2.4 Cyber Risk Management