structure management. It has to be flexible in times of economic turmoil and financial costs must be maintained at appropriate level. In addition, the financial policy must be implemented with caution and the

risk (Stage 3) was 5.6% decreased from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and some of the customers able to repay and accelerated

year. For default receivables in credit risk (NPL Stage 3) was 5.2% decreasing from 5.8% at the end of previous year, mainly from caution on new loan under the third wave of COVID-19 situation and

% decreasing from 5.8% at the end of previous year as a result from caution on new loan and customer’s relief measures from COVID-19 situation. In the end of fourth quarter of 2021, the consolidated coverage

Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus leading to changing customer behavior, regulatory changes and life platform-driven competition. Given the

our regular reviews and improvements in liquidity risk management processes at KBank and K Companies, these actions are consistent with economic circumstances and rapid changes in financial asset prices

operations and had strong financial position. As at December 31, 2018, the consolidated current ratio was 1.93 times, slightly increased from 1.81 times in 2017. The quick ratio in 2018 was 0.72 times

ratio was 2.95 times, increased from 1.93 times in 2018. The quick ratio in 2019 was 0.99 times, increased from 2018 at 0.72 times. The cash ratio of the Company was 0.82 time, slightly decreased from

operations and had strong financial position. As at September 30, 2017, the consolidated current ratio was 1.81 times, slightly increased from 1.54 times as at December 31, 2016. The quick ratio as at

Ratio 1 (times) 1.63 1.54 1.81 Quick Ratio 2 (times) 0.53 0.37 0.57 Cash Ratio 3 (times) 0.67 0.68 0.80 Account Receivable Turnover 4 (times) 17.65 17.27 17.78 Average Collection Period 5 (days) 20 21 20