Page 3 - UBF AR 2018 - E Version
P. 3
Chairman’s Message 03
Director/Chief Executive Officer’s Review 05
Board of Directors 08
Operational Review 12
Corporate Management 20
Divisional Heads 21
Branch Managers 22
Annual Report of the Board of Directors' 27
on the State of Affairs of the Company
Corporate Governance 33
Audit Committee Report 43
Risk Management Committee Report 44
Directors’ Statement on Internal Control 45
Over Financial Reporting
Independent Auditors’ Report 46
Financial Reports 48
UBF Sports Club 99
Corporate Information 100
Annual Report 2018 1
