whose main products comprise home loans, credit cards and other types of financing, including loans for small and micro businesses, KBank deploys credit scoring as a credit approval tool, focusing on

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

underwriters according to the defined approval authorities, and continual monitoring customer status. For retail customers whose main products comprise home loans, credit cards and other types of financing

approval authorities, and monitoring of customer status continually. For our consumer loan customers whose main products comprise home loans, credit cards and other types of financing, including loans for

allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this quarter. C

A-1 CODE OF CONDUCT FUNDAMENTALS FOR CREDIT RATING AGENCIES THE BOARD OF THE INTERNATIONAL ORGANIZATION OF SECURITIES COMMISSIONS REVISED MARCH 2015 A-2 CODE OF CONDUCT FUNDAMENTALS FOR CREDIT RATING

satisfactory operating performance, together with sound corporate governance, allowed KBank and K Companies to meet business targets, gaining wide acceptance and marks of recognition at home and abroad, as

within the set target. In this quarter, our credit cost stood at 1.58 percent, lower than 1.81 percent in the previous quarter and 1.72 percent in the same period of last year. At the same time, our

prudent credit policy which must be consistent with economic circumstances, in order to maintain overall portfolio quality of the three major loan products, i.e., K-Home Loan, K-Credit Card and K-Personal

Credit (SBLC) in the amount of up to USD 50 Million by the Company to Indo Rama Synthetics (India) Limited (“IRSL”), a connected party. Rationale of the transaction: Post-acquisition of equity stake and