financial institution whose license has been revoked, or business has been controlled or operation has been ceased due to the status restoration plan or operation was not approved by an agency supervising
commission, resulted in overall cost of service decreasing -1.5%YoY and remained flat QoQ. SG&A was under well-controlled, declining -26%YoY and flat QoQ. Marketing expenses dropped -33%YoY from lower
center, cyber security, ICT solutions, and 5G services. EBITDA is expected to grow by low-single digit, driven by better revenue momentum and controlled costs while ensuring proper capital allocation to
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