sentiment, accompanied by growth in public investment which resembled the growth rate from the same period last year. All in all, economic drivers continued to perform well particularly merchandise exports

consumer sentiment worsened. As in the previous quarter, in Q4 the main lime consuming sectors of the industry were impacted by the macro economy. However, despite the current challenges in the economy

, motorway routes, and airport development. The higher government spending, especially the Eastern Economic Corridor Development (EEC) project, is expected to upturn the business sentiment as well as encourage

future. Business wise H1 2019 was challenging particularly in the most recent quarter. Business sentiment in multiple industrial segments important to us has been impacted by the macro economy and the

both SAP Business 1 and Oracle Netsuit for the more cloud savvy customers, we believe we will be well position to pick up businesses when the market sentiment improves. The recurring and non-recurring

resolution made on 22nd October 2019 approves residential property stimulus measures to support and ease the burden of those who wish to buy a home and to boost the domestic market sentiment. The transfer fee

moderated, while business and consumer sentiment worsened. As in Q2 also in Q3 the main lime consuming sectors of the industry were impacted by the macro economy. However, market feedback has given us

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

-China trade war and the depreciation of Yuan (CNY) against US dollar. Besides, the extreme fluctuation of crude palm oil price in end of 2019 affected buying sentiment to be drop as buyers waited for the

Rules and Appropriate Investment Advisory (3) Knowledge on complex and non-complex capital market products e.g. derivatives, debt securities, and high-risk or complicated mutual funds (4) Investment