governance, allowed KBank and K Companies to meet business targets, gaining wide acceptance and marks of recognition at home and abroad, as reflected in the numerous awards we received in this quarter. B
lending are implemented. For deposits, pricing competition may be limited as most banks have turned their focus to improved capability in gaining access to new customers via electronic channels to boost
gaining wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1
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