and international economic and political uncertainties as well as abrupt changes in capital movements, KBank is closely monitoring the situation and assessing possible impacts, placing importance on

the Sellers and is mainly determined by a methodology for assessing value of shareholders’ equity according to the ability to generate profit and cash flows to the Company in the future (Discounted Cash

movements, KBank is closely monitoring the situation and assessing possible impacts, placing importance on efficient risk management under the supervision of the Risk Oversight Committee, Market Risk

markets, KBank is closely monitoring the situation and assessing possible impacts. For instance, we have enhanced the frequency of impact assessment and continuously monitored the market situation to ensure

” and the results also affirmed the rating on credit alert with a “positive” by TRIS Rating. Branch Networking As of the end of 2018, Land and Houses Bank Public Company Limited has the total 128 branches

assigned the company rating of “A-” (Single A Minus), affirms the rating of LH BANK’s hybrid Tier 2 capital securities at “BBB” and the results also affirmed the rating on credit alert with a “positive” by

rating of “A-” (Single A Minus), affirms the rating of LH BANK’s hybrid Tier 2 capital securities at “BBB” and the results also affirmed the rating on credit alert with a “positive” by TRIS Rating. Branch

Limited is assigned the company rating of “A-” (Single A Minus), affirms the rating of LH BANK’s hybrid Tier 2 capital securities at “BBB” and the results also affirmed the rating on credit alert with a

company rating of “A-” (Single A Minus), affirms the rating of LH BANK’s hybrid Tier 2 capital securities at “BBB” and the results also affirmed the rating on credit alert with a “positive” by TRIS Rating

Minus), affirms the rating of LH BANK’s hybrid Tier 2 capital securities at “BBB” and the results also affirmed the rating on credit alert with a “positive” by TRIS Rating. Branch Networking As of the end