affect the business operations, internal control, and financial reporting. Moreover, the company launches measures to deal with the changes sufficiently. 9.2 The company assesses changes in business models

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

small and micro businesses, KBank deploys credit scoring as a credit approval tool, focusing on verification of income and liability 13 information of each customer. We have also focused our efforts on

, including loans for small and micro businesses, KBank deploys credit scoring as a credit approval tool, focusing on verification of income and liability information of each customer. KBank has also focused

investment management of mutual fund for institutional investors or ultra- ultra-high net worth investors (Ultra Accredited Investor Mutual Fund) which implements an investment strategy similar to that of a

burn drinks that contain fibersol, L-carnitine and vitamin B. These new launches have represented Osotspa’s start-up spirits, for the products to be tested and tried by target consumers. We have

income mentioned in operating results table, marketing expenses (PR, promoting, advertisement, etc.) from the increase of 5 pre-sales project launches compared on the same period from last year. These new

.) from the increase of 8 pre-sale project launches compared to the same period from last year. These new projects will result in the future revenue recognitions in the coming years along with the coming

last year. Which was in line with the increase of marketing expenses (PR, promoting, advertisement, etc.) from the increase of 7 pre-sale project launches compared to the same period from last year

as health, wellness and aging society. Several new launches include, “Slimma”, a block and burn drink that contains fibersol, L-carnitine and vitamin B, “Peptein Gold”, natural superfoods which provide