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from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent
previous forecast of 3.9 percent. Regarding monetary policy of central banks worldwide, the US Federal Reserve maintained its tightening stance by raising its policy rate and continuing to reduce its massive
forward, any improvement in the global economy will mainly hinge on the above factors. As a result, several central banks are expected to maintain their accommodative stance. Even though the Federal Reserve