from any use of this presentation or its contents or otherwise arising in connection therewith. Individual situations and local practices and standards may vary, so viewers and others utilizing

businesses within the shopping centers to vary from one tenant to another, especially the smaller business owners that may require more time to recover. Hence, the Company does not expect its performance to

74,482.3 78,139.2 Notes: 1 Represents our top 10 debtors by remaining acquisition of NPLs as of the dates indicated. Our top 10 debtors may vary from year to year. 2 Information regarding top 10 debtors by

business, are expected to re-open according to government orders, the Company expects the recovery of businesses within the shopping centers to vary from one tenant to another, especially the smaller

information provided in this MD&A may vary if any factors or situation are changed in the future; the investors are, therefore, required to have their own discretion regarding the usage of this information for

. The objective of this MD&A is to present the information and the explanation of financial status and operating results as of the date hereof. However, the information provided in this MD&A may vary if

may vary from year to year. 2 Information regarding top 10 debtors by remaining acquisition of NPLs for the six-month period ended June 30, 2020 may not be comparable to the previous periods due to the

meeting attendance fee and director reward, the amounts of which vary according to the Company's operating results). In cases where any director also receives remuneration as an executive under (b), make a

. Meanwhile, liquidity management at given periods may vary from bank to bank, depending on its liquidity position and management guidelines. KBank has been fully equipped with tools for appropriate liquidity

the banking system during 2018 was ample due to continual growth of both loans and deposits. However, liquidity management at given periods may vary from bank to bank, depending on its liquidity