renowned international audit firms are invited to share their views and experience concerning current regulatory and oversight issues, challenges and impediments as well as directions of international

policy directions. The SEC has completed the amendments, which are expected for publication in the Government Gazette in early December this year. In the meantime, asset management companies are

the Company or the group of companies, as specified by the Board of Directors (if any), to be used as guidelines for investors to understand and monitor future business directions of the Company. 1.2

guidelines for employees to curtail the spread of COVID-19 as well as support our partner and community to help prevent the spread of the virus and support those already affected. Throughout the COVID-19

directions that focus on effective, timely and proactive integrated risk management (IRM), internal operation efficiency, maximized resource utilization, along with better IT systems, to ensure that we will

importance on supporting functions, which are in harmony with our business directions that focus on effective, timely and proactive integrated risk management (IRM), internal operation efficiency, maximized

Directions and Operations of Core Businesses 3.1 Sustainable Development and Corporate Governance The Board of Directors has reviewed our human rights policy guidelines which will be used for preventing

guidelines for investors to understand and monitor future business directions of the Company; 1.1.2 Material changes and developments Give a brief account on the material changes and developments regarding the

and the determination to drive the business towards sustainability, as deemed appropriate by the Company, to be used as guidelines for investors to understand and monitor future business directions of

Business Operations 2 2. Risk Management and Risk Factors 4 2.1 Credit Risk Management 4 2.2 Market Risk Management 4 2.3 Liquidity Risk Management 5 3. Business Directions and Operations of Core Businesses