public image of the banking industry. 3.5 Awards and Commendation Through these efforts, KBank and K Companies have achieved good business performance, earning the recognition of various organizations at

operating performance allowed KBank and K Companies to meet business targets while also gaining wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this

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

potential impacts, and to prevent any repetition. 3.5 Awards and Commendation Through these efforts, KBank and K Companies have achieved good business performance, earning the recognition of various

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

account. 3.5 Awards and Commendation Through these efforts, KBank and K Companies have achieved good business performance, earning the recognition of various organizations at home and abroad, proven by many

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

business strategies, the aforementioned endeavors allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad. B Contents Page

and the TFRS 9 revenue recognition concept adopted for calculation of interest income and fee income related to loan, as well as reduction of contributions to the Financial Institutions Development Fund

targets, while we also gained wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in 2019. C Contents Page Executive Summary A 1. Overview of Operating