of the Group has been improved since under TFRS 9, reserve of loans and contingents where the credit risk has not increased significantly (Stage 1 Reserve) and reserve of loans and contingents where
the Group has been improved since under TFRS 9, reserve of loans and contingents where the credit risk has not increased significantly (Stage 1 Reserve) and reserve of loans and contingents where the
, which are in harmony with our business directions that focus on effective, timely and proactive integrated risk management (IRM), improved customer service, internal operation efficiency, and maximized
, where members of Committee 1 seek to further its mission through thoughtful consideration of accounting and disclosure concerns and pursuit of improved transparency of global financial reporting. 9 In de
, this process could be improved further with adequate consultations and proper documentation of judgments to demonstrate clearly that before providing such services, the firms had considered all relevant
Banking service dedicated to Chinese customers was launched, featuring investment information and analyses in Chinese along with a Chinese-speaking financial advisory team. Moreover, interesting seminars
dedicated resources to developing and improving internal procedures. While each has put in place quality assurance systems in compliance with professional standards, certain practices may need improvement so
quarter of 2018, credit demand improved from the previous quarter, due to SMEs’ requirements for working capital and inventory build-up purposes, especially in the agricultural sector. Demand for loans from
% q-on-q declining gas price (despite a 1.0% y-on-y increase) and 3) new industrial-user (IUs) clients. EBITDA margin also improved to new-high level of 28.3%, thanks to contributions from Vietnam solar
year ended 31 December, 2018, which the Company believes it is primarily due to the strategy in selling high-value assets and improved economic condition and (ii) The Company cash collected from the