a strong capital base and ample liquidity position. At the end of March 2020, the loan to deposit ratio was 84.2 percent. The total capital adequacy ratio, Common Equity Tier 1 capital adequacy ratio

is expected to remain ample throughout the first half of 2019 due to tepid loan demand amid heightened risks at home and abroad. We are therefore closely monitoring and analyzing related developments

this factor when assigning audit engagements to the partners and the EQCRs to ensure that both have ample amount of time to get involved with the engagements. 6. Monitoring To enable the audit firms to

the banking system during 2018 was ample due to continual growth of both loans and deposits. However, liquidity management at given periods may vary from bank to bank, depending on its liquidity