34. Overall, the above domestic structural challenges demand our increased attention as our integration with the ASEAN Economic Community (AEC) is looming near in 2015.
However, the risk report would show much more extensive information, such as the term and interest rate of the assets, their credit quality, and the range of values the portfolio would take under alternative future scenarios. The user of the report could tell if changes in value were due to declining credit quality, rising interest rates, or sales or payoffs of loans.