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operation. Meanwhile, KBank ensures that policies, processes and systems for controlling, monitoring and reporting risks, capital and liquidity are in place whereas segregation of duties and reporting lines
and risks of organizations that will link their systems to ours. Duties and responsibilities are clearly defined in the contract entered into with those organizations, while risk-monitoring measures
quarter owing to the close monitoring of debts and a proactive approach in asset quality management adopted by commercial banks. As of the end of the second quarter of 2018, net loans at 14 domestically
other challenges remain. They include fast-changing technology, wherein non-bank players are joining the fray and playing an increasing role in the market as alternative service providers for consumers
. Nonetheless, the business sector remained challenged by new modes of competition, the broader marketplace amid the advancing digital age, regulatory changes, the rapid pace of technological advancement and fast
each area. We continued to prioritize risk assessment through prudent screening and close monitoring of borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track