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and real estate development loans. 6 Meanwhile, cost of fund for 2018 was maintained at 2.3% resulting in loan spread to decline from 5.2% in 2017 to 5.0% for 2018. % 4Q17 2017 1Q18 2Q18 3Q18 4Q18 2018
for the real estate segment continued to decline further to 17.5% at the end of 2Q18 from 21.4% at the end of 2017 15 Capital Market business comprises of brokerage business, investment banking business
declined from 7.6% to 7.2% yoy due to the high growth of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost of fund for 2Q18
the real estate has an income guarantee, specify significant information such as conditions of the income guarantee agreement and information on the guarantor and credit rating (if any); - summarized
business for both the real estate development loans and SME loans segment also increased during 2Q17 to 17.3% from 16.3% at the end of 2016. Capital Market business comprises of brokerage business