our status as a leading financial institution which can efficiently cope with potential economic uncertainties, KBank emphasizes predictive integrated risk management (IRM) through the establishment of

potential economic uncertainties, KBank emphasizes predictive integrated risk management (IRM) through the establishment of comprehensive risk management principles and policies, a risk-aware culture Bank

well as credit spreads. These changes affect KBank’s and K Companies’ present and future income, capital, as well as the value of financial assets and liabilities. KBank engages in a consolidated risk

* Note Please find further information in the consolidated financial statements. 1 9th May, 2018 Subject: Management Discussion & Analysis (MD&A) for the 1st quarter of 2018 Attention: The President

* Note Please find further information in the consolidated financial statements. 1 9th May, 2019 Subject: Management Discussion & Analysis (MD&A) for the 1st quarter of 2019 Attention: The President

* Note Please find further information in the consolidated financial statements. 1 8th August, 2019 Subject: Management Discussion & Analysis (MD&A) for the 2nd quarter of 2019 Attention: The

* Note Please find further information in the consolidated financial statements. 1 7th August, 2018 Subject: Management Discussion & Analysis (MD&A) for the 2nd quarter of 2018 Attention: The

* Note Please find further information in the consolidated financial statements. 1 13th November, 2018 Subject: Management Discussion & Analysis (MD&A) for the 3rd quarter of 2018 Attention: The

* Note Please find further information in the consolidated financial statements. 1 12th November, 2019 Subject: Management Discussion & Analysis (MD&A) for the 3rd quarter of 2019 Attention: The

* Note Please find further information in the consolidated financial statements. 1 May 13th, 2020 Subject: Management Discussion & Analysis (MD&A) for the 1st quarter of 2020 Attention: The President