Determination of Definitions in the Notification Relating to Issuance and Offer for Sale of Debt Securities (No. 4)

Determination of Definitions in Notification relating to Issuance and Offer for Sale of Debt Securities (No. 3)

Re: Application Form for Permission for Offer for Sale of Newly Issued Debt Securities and Reporting (No.2)

July 2019, Moody’s Investors Service upgraded the Bank’s subordinated debt instrument rating to Baa2 from Baa3 and the Bank's Baseline Credit Assessment (BCA) to baa1 from baa2 and changed the outlook to

materiality. TRIS informed RML that TRIS downgraded the RML credit rating to "BB+" (Double B Plus) from "BBB-" (Triple B Minus) and the rating outlook is revised to "Negative" from

Outlook Stable Stable Stable Standard & Poor’s Long-term Counterparty Credit Rating BBB+ BBB+ BBB+ Short-term Counterparty Credit Rating A-2 A-2 A-2 Senior Unsecured Debt Instrument BBB+ BBB+ BBB

are as follows: Credit Rating Agency * June 2019 March 2019 December 2018 Moody’s Investors Service Long-term Deposit Baa1 Baa1 Baa1 Short-term Deposit P-2 P-2 P-2 Senior Unsecured Debt Instrument Baa1

ratings are as follows: Credit Rating Agency /1 June 2020 March 2020 December 2019 Moody’s Investors Service Long-term Deposit Baa1 Baa1 Baa1 Short-term Deposit P-2 P-2 P-2 Senior Unsecured Debt Instrument

slightly reduced down to 0.99% from the previous quarter. However, substance macroeconomic challenge is remained as the level of household debt (seasonal adjusted) continued to increase from 90.7% in the 1Q

%. The unemployment rate in 1Q/2024 was 1.01%. However, the K-shape recovery causes household debt (seasonal adjusted) to continue climbing up from 90.7% in the 1Q/2023 to 91.4% in 1Q/2024. For the 1Q/2024