economic growth and seasonal demand for loans at year-end. The brighter prospect for loans may also come from an extraordinary factor, as rising demand is anticipated before the measures to curb mortgage

debt ratio that could be fairly compared to peers in the same industry as well as suppor t the investment in current and future projects. On 28 August 2019, the Extraordinary General Meeting of

 shown by the movement of the foreign currency 'Translation Adjustment' in the shareholders funds section of the balance sheet. There is no cash affect concerning its movement.    Exceptional Items None

 currency 'Translation Adjustment' in the shareholders funds section of the balance sheet. There is no cash affect concerning its movement.    Exceptional Items None Subsequent Event None Page 3 of 3

shown by the movement of the foreign currency 'Translation Adjustment' in the shareholders funds section of the balance sheet. There is no cash affect concerning its movement. Exceptional Items None

 balance sheet. There is no cash affect concerning its movement.    Exceptional Items None Subsequent Event None Page 3 of 3

 shareholders funds section of the balance sheet. There is no cash affect concerning its movement.    Exceptional Items None Subsequent Event None Page 3 of 3

 section of the balance sheet. There is no cash affect concerning its movement.    Exceptional Items None Subsequent Event None Page 3 of 3

balance sheet. There is no cash affect concerning its movement. Exceptional Items None Subsequent Event None Page 3 of 3

. There is no cash affect concerning its movement. Exceptional Items None Subsequent Event None Page 3 of 3