Costs also increased in Q3 than Q2. In Q2, the operating cost is 337.2 million. Quarter 3 total cost was 422.8 million, operating costs rose 25.39% compared with Q2. The Bank's operating expenses increased because banks have to increase interest rates raised to compete with other investment channels such as real estate, the stock market. Meanwhile, the lending rate is the interest rate control for medium and long-term loans. The expenses taken out to open the program incentives, promotions, rewards as well as the work of promoting the propaganda is also very large.
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