questions cover personal data, financial status, financial knowledge and experience, investment objective as well as risk appetite and willingness to take risks. For instance, it may be the case that young
instructed JAS to rectify those financial statements by recognizing the provision based on the best estimate of the expenditure required to settle the present obligation by taking into account factors such as
of expenditure. Meanwhile, it would be very beneficial if the industry adopts CSR in process to banking business operations. Moreover, banking industry may further some of the SEC projects to promote