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enables companies, cities, states and regions to measure and manage their environmental impacts. With the world’s most comprehensive collection of self-reported data, the world’s economy looks to CDP as the

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.................................................................................................................................. 32 Engagement to Create Common Investment Standards ................................................................................. 33 The Rise of Stewardship Codes

Competition In the third quarter of 2018, commercial banks recorded increased net profit over-year and over- quarter. Compared to the prior quarter, the rise could be attributed to gain on investments and

to deliver fewer rate hikes than last year, even though the policy rate will continue to rise incrementally in 2019. At the same time, the European Central Bank and the Bank of Japan may keep their

attributed to a rise in non-interest income, especially net profit from investment. Meanwhile, net interest income maintained its growth even though net interest margin (NIM) dropped as a result of impacts