Digital Banking Business, effective on August 29, 2019, which established criteria for service provision as follows: 1. Eligible banks must have readiness based on their expertise and must prioritize risk

safest and most responsible ways of moving people. Sustainability Roadmap Do no harm Do it better Differentiation What can young directors learn from the board? Board Effectiveness Board Diversity • Skills

promoting market conduct as an organizational culture; (2) product development that is suitable for customers and sales staff abilities, as well as sales channels, operational systems and control; (3

ASEAN countries, the figure is insignificant. However, one-third of the unemployed persons were university graduates, and this share is on the rise. The situation reflects two major problems. First, the

, commercial banks recorded increased net profit over-year and over-quarter. The rise could be attributed to decrease in impairment loss on loan and debt securities coupled with higher growth in overall loans

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

these regulatory changes. We have prepared internal processes and developed employees’ skills to ensure that our services are appropriately provided to customers in line with international standards

of the skills and knowledge in relation to the performance of duty as investor contact using three criteria being 1. Participation in activities accepted by the Office, 2. Further education and 3

skills and knowledge in relation to the performance of duty as investor contact using three criteria being 1. Participation in activities accepted by the Office, 2. Further education and 3. Maintenance of

management Climate targets and/or goals should be integrated into management’s incentivization model and should not be contradictory to other incentives The board should have the necessary expertise and skills