FINANCIAL INSTITUTIONS ISSUER COMMENT 4 September 2020 Analyst Contacts Qian Zhu, CFA +86.21.2057.4098 VP-Sr Credit Officer Kelvin Kwok, CFA +852.3758.1516 Analyst Cindy Wang +65.6398.2638 Associate Analyst Sally Yim, CFA +852.3758.1450 MD-Financial Institutions CLIENT SERVICES Americas 1-212-553-1653 Asia
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