increase the merchants’ sales opportunities as consumers now have more payment options. In addition, merchants can manage their financial and sales statements on their own. To promote the service among our

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

heightened competition from other financial institutions and non-bank players, KBank has focused on strengthening customer engagement through digital channels so as to reinforce our digital banking leadership

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

255 million or 1.11 percent in net interest income, derived from rising interest income from investment. KBank maintained key financial ratios at levels consistent with our overall economic performance

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