risks. We put in place more stringent customer approval criteria for commercial lending policies, and closely monitored borrowers, especially small and micro businesses, through appropriate

the COVID-19, which is closely monitored and is systematically handled. Furthermore, communications were consistently made to employees and associates, allowing businesses to still operate continuously

characteristics: (1) being assets or pledge taken into legal force and considered the condition of each category of collateral. The collateral shall have an ability to surpass the maturity date and being monitored

force and considered the condition of each category of collateral. The collateral shall have an ability to surpass the maturity date and being monitored by the bondholders’ representative. In case where

condition of each category of collateral. The collateral shall have an ability to surpass the maturity date and being monitored by the bondholders’ representative. In case where the collateral is not a

monitored for their impacts on portfolios, and updated for reference in KBank’s database available to relevant users covering criteria for credit granting, management and credit risk management tools. Credit

result of correction, systematically. 9 Additional Guidelines 7. In complying with Clause 6 (5), the intermediary should ensure that the internal control system is monitored and evaluated and deviation of

, competition in the home loan market became more intense, which could potentially jeopardize the economic and financial system as a whole. Under these circumstances, KBank has closely monitored trade

-19 continuously. As for the operations side of the business, the situation is closely monitored and assessed to adjust its business plan accordingly, and complied the strict measures on cost reduction

lower than normal level. The Company has closely monitored the situation and has prepared approp riate measures for the drought situations. The effect of new accounting standards announcement (Effective