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extended our aspiration to become the most-preferred platform that can meet customers’ needs in every aspect of their lives. All of these endeavors aim to understand and anticipate each individual customer’s

, the growth in expenses was less pronounced than that of net total income. As a result, our cost to income ratio decreased to 41.07 percent compared to the previous quarter, which was still better than

cost over the long term, which will in turn help reduce costs within the economic system.. Within this context, KBank and K Companies accentuate enhancement of our business capabilities to achieve

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and business opportunities in each individual sector and area across all industries. In parallel, we focused on the development of technological solutions with the aim of becoming “Customers’ Life

considering the balance of three dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. Along with this, we have prioritized

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dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. Guided by the Customer Centricity strategy and our resolution of

/Form (Notification of Securities and Exchange Commission) Certified Form Relating to Acting in Compliance with Related Laws of Applicant who is Juristic Person/Financial Institution or Individual