risks. We put in place more stringent customer approval criteria for commercial lending policies, and closely monitored borrowers, especially small and micro businesses, through appropriate

tourist arrivals due to the Coronavirus Disease 2019 (COVID-19) outbreak and slowing Chinese economy. Meanwhile, domestic factors include severe droughts and the delay on government budget approval

working days prior to the date on which the board of directors of the Company resolves to propose the agenda item to the Extraordinary General Meeting of Shareholders no. 2/2019 for an approval on the