1. By YT Oct’19, the Bank posted YoY growth of income before tax by 14% vs. 37% YoY in 1H’19. In order to deliver comparably impressive result by YE, FINCON Dept. is asked to work with all BUs to estimate revenue momentum till YE, and to plan ahead expense control, such as reverse of accrual expense or revisit of loan provision allocation, for P/L improvement in the last 2 months. The goal is to achieve YoY growth of income before tax by 10% in 2019.