some early impact as demonstrated by the rise in financial assets with significant increase in credit risk (Stage 2). The outbreak and its impacts are dependent on many on-going factors and are still
that will become mature in the near future, which will give rise to its stronger debt service ability; 2. Ability to seek financing sources to fund other profit-making projects in the future: an overall
and cross-border movement restriction will continue to push for telecom demand. However, potential rise in unemployment and businesses shutdown could post a negative outlook for telecom . In addition to
, and extremes in temperature ● Extreme precipitation and flooding ● Drought ● Sea level rise and storm surge ● Strong winds How these affect the asset or site in question will be highly variable and will
. Similarly, reference to goals and objectives set in international agreements, such as the Paris Agreement (countries’ nationally determined contributions and the 1.5°C or 2°C temperature rise objective) or
quarter, which has led to retail prices at service stations aligning at an appropriate level to the cost of finished oil products. While marketing margin in Q2/2018 was highly affected by the sharp rise in
earlier this year due to higher growth of net loan than that of deposits. Broadly speaking, loans increased as seen from the rise in business, working capital and retail loans, particularly auto hire
Competition In the third quarter of 2018, commercial banks recorded increased net profit over-year and over- quarter. Compared to the prior quarter, the rise could be attributed to gain on investments and
, commercial banks recorded increased net profit over-year and over-quarter. The rise could be attributed to decrease in impairment loss on loan and debt securities coupled with higher growth in overall loans
Morningstar 9 For example, Carhart (1997) and Fama and French (2010) find evidence against skills, while Chen et al. (2010) and Kosowski et al. (2006) find opposite results. These mixed results also highlight